Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$394,364Cash toward the purchase price.
Closing costs + prepaids$11,987Not just lender fees.
Before credits & paid funds$406,352The complete starting cash picture.
Estimated remaining funds due at closing
$406,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$394,364.31
Your down payment$394,364.31
Closing costs + prepaids$11,987.39
Total buyer cash needed$406,351.70
Remaining funds due$406,351.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$534.00
Initial HOA (3 months)$1,275.00
Prepaid interest, first (25 days)$3.39
Fees + prepaids$11,987.39
Your down payment is the seller’s equity. You take over the $636 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $406,351.70 is due at closing. Uses and sources reconcile at $406,987.39 each. Not a Closing Disclosure.