Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$379,157Cash toward the purchase price.
Closing costs + prepaids$16,915Not just lender fees.
Before credits & paid funds$396,071The complete starting cash picture.
Estimated remaining funds due at closing
$396,071No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$379,156.75
Your down payment$379,156.75
Closing costs + prepaids$16,914.62
Total buyer cash needed$396,071.38
Remaining funds due$396,071.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,699.99
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)$753.50
Prepaid interest, first (24 days)$1,236.13
Fees + prepaids$16,914.62
Your down payment is the seller’s equity. You take over the $390,842 balance, so the rest of the $769,999 price is paid at closing. A second mortgage can cover part of it. $396,071.38 is due at closing. Uses and sources reconcile at $786,913.62 each. Not a Closing Disclosure.