Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$395,867Cash toward the purchase price.
Closing costs + prepaids$13,420Not just lender fees.
Before credits & paid funds$409,287The complete starting cash picture.
Estimated remaining funds due at closing
$409,287No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$395,866.65
Your down payment$395,866.65
Closing costs + prepaids$13,419.91
Total buyer cash needed$409,286.56
Remaining funds due$409,286.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,399.99
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)$1,187.75
Prepaid interest, first (27 days)$357.17
Fees + prepaids$13,419.91
Your down payment is the seller’s equity. You take over the $144,132 balance, so the rest of the $539,999 price is paid at closing. A second mortgage can cover part of it. $409,286.56 is due at closing. Uses and sources reconcile at $553,418.91 each. Not a Closing Disclosure.