Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$392,461Cash toward the purchase price.
Closing costs + prepaids$12,293Not just lender fees.
Before credits & paid funds$404,754The complete starting cash picture.
Estimated remaining funds due at closing
$404,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$392,461.21
Your down payment$392,461.21
Closing costs + prepaids$12,292.58
Total buyer cash needed$404,753.79
Remaining funds due$404,753.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.50
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)$542.00
Prepaid interest, first (25 days)$276.08
Fees + prepaids$12,292.58
Your down payment is the seller’s equity. You take over the $107,489 balance, so the rest of the $499,950 price is paid at closing. A second mortgage can cover part of it. $404,753.79 is due at closing. Uses and sources reconcile at $512,242.58 each. Not a Closing Disclosure.