Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$387,254Cash toward the purchase price.
Closing costs + prepaids$13,421Not just lender fees.
Before credits & paid funds$400,675The complete starting cash picture.
Estimated remaining funds due at closing
$400,675No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$387,254.48
Your down payment$387,254.48
Closing costs + prepaids$13,420.71
Total buyer cash needed$400,675.19
Remaining funds due$400,675.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$1,455.50
Initial HOA (3 months)$5.01
Prepaid interest, first (25 days)$495.20
Fees + prepaids$13,420.71
Your down payment is the seller’s equity. You take over the $111,746 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $400,675.19 is due at closing. Uses and sources reconcile at $512,420.71 each. Not a Closing Disclosure.