Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$392,025Cash toward the purchase price.
Closing costs + prepaids$12,183Not just lender fees.
Before credits & paid funds$404,208The complete starting cash picture.
Estimated remaining funds due at closing
$404,208No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$392,024.78
Your down payment$392,024.78
Closing costs + prepaids$12,182.84
Total buyer cash needed$404,207.63
Remaining funds due$404,207.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.00
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)$496.50
Prepaid interest, first (28 days)$312.34
Fees + prepaids$12,182.84
Your down payment is the seller’s equity. You take over the $97,875 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $404,207.63 is due at closing. Uses and sources reconcile at $502,082.84 each. Not a Closing Disclosure.