Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$398,782Cash toward the purchase price.
Closing costs + prepaids$11,319Not just lender fees.
Before credits & paid funds$410,101The complete starting cash picture.
Estimated remaining funds due at closing
$410,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$398,781.50
Your down payment$398,781.50
Closing costs + prepaids$11,319.13
Total buyer cash needed$410,100.63
Remaining funds due$410,100.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$1,012.50
Prepaid interest, first (28 days)$31.63
Fees + prepaids$11,319.13
Your down payment is the seller’s equity. You take over the $6,218 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $410,100.63 is due at closing. Uses and sources reconcile at $416,319.13 each. Not a Closing Disclosure.