Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$389,840Cash toward the purchase price.
Closing costs + prepaids$12,148Not just lender fees.
Before credits & paid funds$401,988The complete starting cash picture.
Estimated remaining funds due at closing
$401,988No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$389,839.66
Your down payment$389,839.66
Closing costs + prepaids$12,148.33
Total buyer cash needed$401,987.99
Remaining funds due$401,987.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.99
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)$380.50
Initial HOA (3 months)$99.99
Prepaid interest, first (18 days)$192.85
Fees + prepaids$12,148.33
Your down payment is the seller’s equity. You take over the $110,159 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $401,987.99 is due at closing. Uses and sources reconcile at $512,147.33 each. Not a Closing Disclosure.