Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$395,240Cash toward the purchase price.
Closing costs + prepaids$17,980Not just lender fees.
Before credits & paid funds$413,220The complete starting cash picture.
Estimated remaining funds due at closing
$413,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$395,240.26
Your down payment$395,240.26
Closing costs + prepaids$17,979.76
Total buyer cash needed$413,220.02
Remaining funds due$413,220.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,950.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,987.50
Prepaid interest, first (26 days)$817.26
Fees + prepaids$17,979.76
Your down payment is the seller’s equity. You take over the $399,760 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $413,220.02 is due at closing. Uses and sources reconcile at $812,979.76 each. Not a Closing Disclosure.