Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$383,875Cash toward the purchase price.
Closing costs + prepaids$11,927Not just lender fees.
Before credits & paid funds$395,801The complete starting cash picture.
Estimated remaining funds due at closing
$395,801No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$383,874.60
Your down payment$383,874.60
Closing costs + prepaids$11,926.85
Total buyer cash needed$395,801.46
Remaining funds due$395,801.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.99
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)$564.00
Initial HOA (3 months)$78.00
Prepaid interest, first (12 days)$109.86
Fees + prepaids$11,926.85
Your down payment is the seller’s equity. You take over the $86,124 balance, so the rest of the $469,999 price is paid at closing. A second mortgage can cover part of it. $395,801.46 is due at closing. Uses and sources reconcile at $481,925.85 each. Not a Closing Disclosure.