Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$393,878Cash toward the purchase price.
Closing costs + prepaids$11,210Not just lender fees.
Before credits & paid funds$405,088The complete starting cash picture.
Estimated remaining funds due at closing
$405,088No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$393,878.20
Your down payment$393,878.20
Closing costs + prepaids$11,209.62
Total buyer cash needed$405,087.82
Remaining funds due$405,087.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$932.25
Initial HOA (3 months)$21.00
Prepaid interest, first (31 days)$32.37
Fees + prepaids$11,209.62
Your down payment is the seller’s equity. You take over the $6,022 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $405,087.82 is due at closing. Uses and sources reconcile at $411,109.62 each. Not a Closing Disclosure.