Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$386,077Cash toward the purchase price.
Closing costs + prepaids$10,870Not just lender fees.
Before credits & paid funds$396,947The complete starting cash picture.
Estimated remaining funds due at closing
$396,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$386,077.49
Your down payment$386,077.49
Closing costs + prepaids$10,869.65
Total buyer cash needed$396,947.13
Remaining funds due$396,947.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$729.75
Prepaid interest, first (23 days)$15.90
Fees + prepaids$10,869.65
Your down payment is the seller’s equity. You take over the $3,823 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $396,947.13 is due at closing. Uses and sources reconcile at $400,769.65 each. Not a Closing Disclosure.