Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$388,644Cash toward the purchase price.
Closing costs + prepaids$19,943Not just lender fees.
Before credits & paid funds$408,587The complete starting cash picture.
Estimated remaining funds due at closing
$408,587No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$388,643.85
Your down payment$388,643.85
Closing costs + prepaids$19,942.92
Total buyer cash needed$408,586.77
Remaining funds due$408,586.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,499.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,187.50
Prepaid interest, first (25 days)$2,031.42
Fees + prepaids$19,942.92
Your down payment is the seller’s equity. You take over the $461,256 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $408,586.77 is due at closing. Uses and sources reconcile at $869,842.92 each. Not a Closing Disclosure.