Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$395,952Cash toward the purchase price.
Closing costs + prepaids$12,654Not just lender fees.
Before credits & paid funds$408,605The complete starting cash picture.
Estimated remaining funds due at closing
$408,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$395,951.84
Your down payment$395,951.84
Closing costs + prepaids$12,653.52
Total buyer cash needed$408,605.36
Remaining funds due$408,605.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,250.00
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)$659.25
Prepaid interest, first (28 days)$269.27
Fees + prepaids$12,653.52
Your down payment is the seller’s equity. You take over the $129,048 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $408,605.36 is due at closing. Uses and sources reconcile at $537,653.52 each. Not a Closing Disclosure.