Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$387,382Cash toward the purchase price.
Closing costs + prepaids$10,757Not just lender fees.
Before credits & paid funds$398,139The complete starting cash picture.
Estimated remaining funds due at closing
$398,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$387,381.77
Your down payment$387,381.77
Closing costs + prepaids$10,756.92
Total buyer cash needed$398,138.69
Remaining funds due$398,138.69
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)$50.01
Prepaid interest, first (6 days)$13.16
Fees + prepaids$10,756.92
Your down payment is the seller’s equity. You take over the $11,618 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $398,138.69 is due at closing. Uses and sources reconcile at $409,756.92 each. Not a Closing Disclosure.