Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$378,807Cash toward the purchase price.
Closing costs + prepaids$12,655Not just lender fees.
Before credits & paid funds$391,463The complete starting cash picture.
Estimated remaining funds due at closing
$391,463No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$378,807.34
Your down payment$378,807.34
Closing costs + prepaids$12,655.16
Total buyer cash needed$391,462.50
Remaining funds due$391,462.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.99
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)$879.75
Prepaid interest, first (26 days)$300.42
Fees + prepaids$12,655.16
Your down payment is the seller’s equity. You take over the $121,192 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $391,462.50 is due at closing. Uses and sources reconcile at $512,654.16 each. Not a Closing Disclosure.