Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$382,623Cash toward the purchase price.
Closing costs + prepaids$11,278Not just lender fees.
Before credits & paid funds$393,901The complete starting cash picture.
Estimated remaining funds due at closing
$393,901No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$382,623.02
Your down payment$382,623.02
Closing costs + prepaids$11,278.40
Total buyer cash needed$393,901.42
Remaining funds due$393,901.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$997.50
Prepaid interest, first (24 days)$65.90
Fees + prepaids$11,278.40
Your down payment is the seller’s equity. You take over the $16,377 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $393,901.42 is due at closing. Uses and sources reconcile at $410,278.40 each. Not a Closing Disclosure.