Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$392,360Cash toward the purchase price.
Closing costs + prepaids$17,875Not just lender fees.
Before credits & paid funds$410,235The complete starting cash picture.
Estimated remaining funds due at closing
$410,235No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$392,359.60
Your down payment$392,359.60
Closing costs + prepaids$17,875.13
Total buyer cash needed$410,234.73
Remaining funds due$410,234.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,890.00
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)$1,972.50
Prepaid interest, first (24 days)$787.63
Fees + prepaids$17,875.13
Your down payment is the seller’s equity. You take over the $396,640 balance, so the rest of the $789,000 price is paid at closing. A second mortgage can cover part of it. $410,234.73 is due at closing. Uses and sources reconcile at $806,875.13 each. Not a Closing Disclosure.