Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$373,402Cash toward the purchase price.
Closing costs + prepaids$11,068Not just lender fees.
Before credits & paid funds$384,470The complete starting cash picture.
Estimated remaining funds due at closing
$384,470No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$373,401.73
Your down payment$373,401.73
Closing costs + prepaids$11,068.43
Total buyer cash needed$384,470.16
Remaining funds due$384,470.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$592.50
Initial HOA (3 months)$120.00
Prepaid interest, first (28 days)$131.93
Fees + prepaids$11,068.43
Your down payment is the seller’s equity. You take over the $26,498 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $384,470.16 is due at closing. Uses and sources reconcile at $410,968.43 each. Not a Closing Disclosure.