Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$384,644Cash toward the purchase price.
Closing costs + prepaids$12,045Not just lender fees.
Before credits & paid funds$396,688The complete starting cash picture.
Estimated remaining funds due at closing
$396,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$384,643.67
Your down payment$384,643.67
Closing costs + prepaids$12,044.62
Total buyer cash needed$396,688.29
Remaining funds due$396,688.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$319.75
Prepaid interest, first (29 days)$299.87
Fees + prepaids$12,044.62
Your down payment is the seller’s equity. You take over the $110,356 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $396,688.29 is due at closing. Uses and sources reconcile at $507,044.62 each. Not a Closing Disclosure.