Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$379,984Cash toward the purchase price.
Closing costs + prepaids$12,123Not just lender fees.
Before credits & paid funds$392,107The complete starting cash picture.
Estimated remaining funds due at closing
$392,107No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$379,984.04
Your down payment$379,984.04
Closing costs + prepaids$12,122.99
Total buyer cash needed$392,107.03
Remaining funds due$392,107.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$594.00
Prepaid interest, first (12 days)$103.99
Fees + prepaids$12,122.99
Your down payment is the seller’s equity. You take over the $115,016 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $392,107.03 is due at closing. Uses and sources reconcile at $507,122.99 each. Not a Closing Disclosure.