Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$392,929Cash toward the purchase price.
Closing costs + prepaids$13,916Not just lender fees.
Before credits & paid funds$406,845The complete starting cash picture.
Estimated remaining funds due at closing
$406,845No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$392,928.85
Your down payment$392,928.85
Closing costs + prepaids$13,916.49
Total buyer cash needed$406,845.34
Remaining funds due$406,845.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,490.00
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)$1,391.00
Prepaid interest, first (29 days)$560.49
Fees + prepaids$13,916.49
Your down payment is the seller’s equity. You take over the $156,071 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $406,845.34 is due at closing. Uses and sources reconcile at $562,916.49 each. Not a Closing Disclosure.