Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$391,305Cash toward the purchase price.
Closing costs + prepaids$11,770Not just lender fees.
Before credits & paid funds$403,076The complete starting cash picture.
Estimated remaining funds due at closing
$403,076No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$391,305.49
Your down payment$391,305.49
Closing costs + prepaids$11,770.47
Total buyer cash needed$403,075.96
Remaining funds due$403,075.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$932.25
Initial HOA (3 months)$570.00
Prepaid interest, first (27 days)$43.22
Fees + prepaids$11,770.47
Your down payment is the seller’s equity. You take over the $8,695 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $403,075.96 is due at closing. Uses and sources reconcile at $411,770.47 each. Not a Closing Disclosure.