Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$379,326Cash toward the purchase price.
Closing costs + prepaids$11,159Not just lender fees.
Before credits & paid funds$390,485The complete starting cash picture.
Estimated remaining funds due at closing
$390,485No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$379,326.40
Your down payment$379,326.40
Closing costs + prepaids$11,158.79
Total buyer cash needed$390,485.19
Remaining funds due$390,485.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,900.00
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)$975.00
Prepaid interest, first (28 days)$58.79
Fees + prepaids$11,158.79
Your down payment is the seller’s equity. You take over the $10,674 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $390,485.19 is due at closing. Uses and sources reconcile at $401,158.79 each. Not a Closing Disclosure.