Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$385,193Cash toward the purchase price.
Closing costs + prepaids$11,033Not just lender fees.
Before credits & paid funds$396,225The complete starting cash picture.
Estimated remaining funds due at closing
$396,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$385,192.83
Your down payment$385,192.83
Closing costs + prepaids$11,032.51
Total buyer cash needed$396,225.34
Remaining funds due$396,225.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,290.00
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)$436.50
Prepaid interest, first (27 days)$81.01
Fees + prepaids$11,032.51
Your down payment is the seller’s equity. You take over the $43,807 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $396,225.34 is due at closing. Uses and sources reconcile at $440,032.51 each. Not a Closing Disclosure.