Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$390,778Cash toward the purchase price.
Closing costs + prepaids$13,132Not just lender fees.
Before credits & paid funds$403,910The complete starting cash picture.
Estimated remaining funds due at closing
$403,910No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$390,778.28
Your down payment$390,778.28
Closing costs + prepaids$13,132.14
Total buyer cash needed$403,910.42
Remaining funds due$403,910.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$755.00
Prepaid interest, first (29 days)$452.14
Fees + prepaids$13,132.14
Your down payment is the seller’s equity. You take over the $154,222 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $403,910.42 is due at closing. Uses and sources reconcile at $558,132.14 each. Not a Closing Disclosure.