Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$381,421Cash toward the purchase price.
Closing costs + prepaids$11,565Not just lender fees.
Before credits & paid funds$392,986The complete starting cash picture.
Estimated remaining funds due at closing
$392,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$381,421.38
Your down payment$381,421.38
Closing costs + prepaids$11,565.00
Total buyer cash needed$392,986.37
Remaining funds due$392,986.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,090.00
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)$1,102.75
Prepaid interest, first (28 days)$147.25
Fees + prepaids$11,565.00
Your down payment is the seller’s equity. You take over the $27,579 balance, so the rest of the $409,000 price is paid at closing. A second mortgage can cover part of it. $392,986.37 is due at closing. Uses and sources reconcile at $420,565.00 each. Not a Closing Disclosure.