Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$385,253Cash toward the purchase price.
Closing costs + prepaids$12,527Not just lender fees.
Before credits & paid funds$397,779The complete starting cash picture.
Estimated remaining funds due at closing
$397,779No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$385,252.53
Your down payment$385,252.53
Closing costs + prepaids$12,526.53
Total buyer cash needed$397,779.05
Remaining funds due$397,779.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$1,012.50
Initial HOA (3 months)$1,140.00
Prepaid interest, first (26 days)$99.03
Fees + prepaids$12,526.53
Your down payment is the seller’s equity. You take over the $19,747 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $397,779.05 is due at closing. Uses and sources reconcile at $417,526.53 each. Not a Closing Disclosure.