Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$390,848Cash toward the purchase price.
Closing costs + prepaids$12,459Not just lender fees.
Before credits & paid funds$403,307The complete starting cash picture.
Estimated remaining funds due at closing
$403,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$390,848.16
Your down payment$390,848.16
Closing costs + prepaids$12,458.87
Total buyer cash needed$403,307.02
Remaining funds due$403,307.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$1,149.75
Prepaid interest, first (26 days)$235.12
Fees + prepaids$12,458.87
Your down payment is the seller’s equity. You take over the $69,052 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $403,307.02 is due at closing. Uses and sources reconcile at $472,358.87 each. Not a Closing Disclosure.