Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$388,378Cash toward the purchase price.
Closing costs + prepaids$19,752Not just lender fees.
Before credits & paid funds$408,130The complete starting cash picture.
Estimated remaining funds due at closing
$408,130No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$388,377.94
Your down payment$388,377.94
Closing costs + prepaids$19,751.91
Total buyer cash needed$408,129.85
Remaining funds due$408,129.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,899.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,224.75
Prepaid interest, first (23 days)$1,403.16
Fees + prepaids$19,751.91
Your down payment is the seller’s equity. You take over the $501,522 balance, so the rest of the $889,900 price is paid at closing. A second mortgage can cover part of it. $408,129.85 is due at closing. Uses and sources reconcile at $909,651.91 each. Not a Closing Disclosure.