Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$381,962Cash toward the purchase price.
Closing costs + prepaids$18,395Not just lender fees.
Before credits & paid funds$400,358The complete starting cash picture.
Estimated remaining funds due at closing
$400,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$381,962.46
Your down payment$381,962.46
Closing costs + prepaids$18,395.28
Total buyer cash needed$400,357.73
Remaining funds due$400,357.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,950.00
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)$1,987.50
Prepaid interest, first (26 days)$1,232.78
Fees + prepaids$18,395.28
Your down payment is the seller’s equity. You take over the $413,038 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $400,357.73 is due at closing. Uses and sources reconcile at $813,395.28 each. Not a Closing Disclosure.