Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$396,385Cash toward the purchase price.
Closing costs + prepaids$11,706Not just lender fees.
Before credits & paid funds$408,090The complete starting cash picture.
Estimated remaining funds due at closing
$408,090No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$396,384.65
Your down payment$396,384.65
Closing costs + prepaids$11,705.67
Total buyer cash needed$408,090.32
Remaining funds due$408,090.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,425.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$531.00
Initial HOA (3 months)$438.00
Prepaid interest, first (10 days)$86.67
Fees + prepaids$11,705.67
Your down payment is the seller’s equity. You take over the $46,115 balance, so the rest of the $442,500 price is paid at closing. A second mortgage can cover part of it. $408,090.32 is due at closing. Uses and sources reconcile at $454,205.67 each. Not a Closing Disclosure.