Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$383,787Cash toward the purchase price.
Closing costs + prepaids$11,181Not just lender fees.
Before credits & paid funds$394,968The complete starting cash picture.
Estimated remaining funds due at closing
$394,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$383,787.16
Your down payment$383,787.16
Closing costs + prepaids$11,181.00
Total buyer cash needed$394,968.16
Remaining funds due$394,968.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$442.50
Prepaid interest, first (28 days)$114.50
Fees + prepaids$11,181.00
Your down payment is the seller’s equity. You take over the $56,113 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $394,968.16 is due at closing. Uses and sources reconcile at $451,081.00 each. Not a Closing Disclosure.