Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$388,692Cash toward the purchase price.
Closing costs + prepaids$10,947Not just lender fees.
Before credits & paid funds$399,639The complete starting cash picture.
Estimated remaining funds due at closing
$399,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$388,691.76
Your down payment$388,691.76
Closing costs + prepaids$10,946.80
Total buyer cash needed$399,638.55
Remaining funds due$399,638.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$552.75
Initial HOA (3 months)$114.00
Prepaid interest, first (27 days)$56.05
Fees + prepaids$10,946.80
Your down payment is the seller’s equity. You take over the $11,208 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $399,638.55 is due at closing. Uses and sources reconcile at $410,846.80 each. Not a Closing Disclosure.