Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$391,948Cash toward the purchase price.
Closing costs + prepaids$11,052Not just lender fees.
Before credits & paid funds$403,001The complete starting cash picture.
Estimated remaining funds due at closing
$403,001No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$391,948.39
Your down payment$391,948.39
Closing costs + prepaids$11,052.15
Total buyer cash needed$403,000.54
Remaining funds due$403,000.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$261.50
Prepaid interest, first (31 days)$265.65
Fees + prepaids$11,052.15
Your down payment is the seller’s equity. You take over the $38,052 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $403,000.54 is due at closing. Uses and sources reconcile at $441,052.15 each. Not a Closing Disclosure.