Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$395,687Cash toward the purchase price.
Closing costs + prepaids$18,299Not just lender fees.
Before credits & paid funds$413,986The complete starting cash picture.
Estimated remaining funds due at closing
$413,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$395,686.84
Your down payment$395,686.84
Closing costs + prepaids$18,299.12
Total buyer cash needed$413,985.95
Remaining funds due$413,985.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,750.00
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)$862.50
Initial HOA (3 months)$285.00
Prepaid interest, first (28 days)$1,176.62
Fees + prepaids$18,299.12
Your down payment is the seller’s equity. You take over the $479,313 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $413,985.95 is due at closing. Uses and sources reconcile at $893,299.12 each. Not a Closing Disclosure.