Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$388,450Cash toward the purchase price.
Closing costs + prepaids$11,918Not just lender fees.
Before credits & paid funds$400,368The complete starting cash picture.
Estimated remaining funds due at closing
$400,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$388,450.05
Your down payment$388,450.05
Closing costs + prepaids$11,917.88
Total buyer cash needed$400,367.93
Remaining funds due$400,367.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$123.25
Prepaid interest, first (26 days)$369.63
Fees + prepaids$11,917.88
Your down payment is the seller’s equity. You take over the $106,550 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $400,367.93 is due at closing. Uses and sources reconcile at $506,917.88 each. Not a Closing Disclosure.