Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$382,815Cash toward the purchase price.
Closing costs + prepaids$18,634Not just lender fees.
Before credits & paid funds$401,449The complete starting cash picture.
Estimated remaining funds due at closing
$401,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$382,814.60
Your down payment$382,814.60
Closing costs + prepaids$18,633.97
Total buyer cash needed$401,448.56
Remaining funds due$401,448.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,499.00
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)$2,124.75
Prepaid interest, first (26 days)$785.22
Fees + prepaids$18,633.97
Your down payment is the seller’s equity. You take over the $467,085 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $401,448.56 is due at closing. Uses and sources reconcile at $868,533.97 each. Not a Closing Disclosure.