Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$385,870Cash toward the purchase price.
Closing costs + prepaids$13,826Not just lender fees.
Before credits & paid funds$399,696The complete starting cash picture.
Estimated remaining funds due at closing
$399,696No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$385,870.29
Your down payment$385,870.29
Closing costs + prepaids$13,825.91
Total buyer cash needed$399,696.20
Remaining funds due$399,696.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,175.00
Initial HOA (3 months)$1,125.00
Prepaid interest, first (25 days)$350.92
Fees + prepaids$13,825.91
Your down payment is the seller’s equity. You take over the $84,129 balance, so the rest of the $469,999 price is paid at closing. A second mortgage can cover part of it. $399,696.20 is due at closing. Uses and sources reconcile at $483,824.91 each. Not a Closing Disclosure.