Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$397,085Cash toward the purchase price.
Closing costs + prepaids$11,379Not just lender fees.
Before credits & paid funds$408,464The complete starting cash picture.
Estimated remaining funds due at closing
$408,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$397,085.11
Your down payment$397,085.11
Closing costs + prepaids$11,378.57
Total buyer cash needed$408,463.68
Remaining funds due$408,463.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,080.00
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)$1,020.00
Prepaid interest, first (26 days)$53.57
Fees + prepaids$11,378.57
Your down payment is the seller’s equity. You take over the $10,915 balance, so the rest of the $408,000 price is paid at closing. A second mortgage can cover part of it. $408,463.68 is due at closing. Uses and sources reconcile at $419,378.57 each. Not a Closing Disclosure.