Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$391,125Cash toward the purchase price.
Closing costs + prepaids$11,157Not just lender fees.
Before credits & paid funds$402,281The complete starting cash picture.
Estimated remaining funds due at closing
$402,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$391,124.66
Your down payment$391,124.66
Closing costs + prepaids$11,156.52
Total buyer cash needed$402,281.18
Remaining funds due$402,281.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,975.00
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)$846.50
Initial HOA (3 months)$96.00
Prepaid interest, first (25 days)$14.02
Fees + prepaids$11,156.52
Your down payment is the seller’s equity. You take over the $6,375 balance, so the rest of the $397,500 price is paid at closing. A second mortgage can cover part of it. $402,281.18 is due at closing. Uses and sources reconcile at $408,656.52 each. Not a Closing Disclosure.