Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$391,515Cash toward the purchase price.
Closing costs + prepaids$12,480Not just lender fees.
Before credits & paid funds$403,995The complete starting cash picture.
Estimated remaining funds due at closing
$403,995No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$391,515.37
Your down payment$391,515.37
Closing costs + prepaids$12,479.76
Total buyer cash needed$403,995.12
Remaining funds due$403,995.12
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)$741.75
Prepaid interest, first (24 days)$313.01
Fees + prepaids$12,479.76
Your down payment is the seller’s equity. You take over the $103,485 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $403,995.12 is due at closing. Uses and sources reconcile at $507,479.76 each. Not a Closing Disclosure.