Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$394,112Cash toward the purchase price.
Closing costs + prepaids$17,911Not just lender fees.
Before credits & paid funds$412,023The complete starting cash picture.
Estimated remaining funds due at closing
$412,023No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$394,111.75
Your down payment$394,111.75
Closing costs + prepaids$17,910.76
Total buyer cash needed$412,022.51
Remaining funds due$412,022.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,900.00
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)$1,975.00
Prepaid interest, first (25 days)$810.76
Fees + prepaids$17,910.76
Your down payment is the seller’s equity. You take over the $395,888 balance, so the rest of the $790,000 price is paid at closing. A second mortgage can cover part of it. $412,022.51 is due at closing. Uses and sources reconcile at $807,910.76 each. Not a Closing Disclosure.