Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$382,864Cash toward the purchase price.
Closing costs + prepaids$10,721Not just lender fees.
Before credits & paid funds$393,585The complete starting cash picture.
Estimated remaining funds due at closing
$393,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$382,864.22
Your down payment$382,864.22
Closing costs + prepaids$10,720.70
Total buyer cash needed$393,584.91
Remaining funds due$393,584.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$478.75
Initial HOA (3 months)$18.75
Prepaid interest, first (6 days)$8.20
Fees + prepaids$10,720.70
Your down payment is the seller’s equity. You take over the $16,136 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $393,584.91 is due at closing. Uses and sources reconcile at $409,720.70 each. Not a Closing Disclosure.