Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$386,682Cash toward the purchase price.
Closing costs + prepaids$11,031Not just lender fees.
Before credits & paid funds$397,712The complete starting cash picture.
Estimated remaining funds due at closing
$397,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$386,681.56
Your down payment$386,681.56
Closing costs + prepaids$11,030.67
Total buyer cash needed$397,712.23
Remaining funds due$397,712.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$499.00
Initial HOA (3 months)$225.00
Prepaid interest, first (31 days)$81.67
Fees + prepaids$11,030.67
Your down payment is the seller’s equity. You take over the $13,318 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $397,712.23 is due at closing. Uses and sources reconcile at $411,030.67 each. Not a Closing Disclosure.