Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$383,361Cash toward the purchase price.
Closing costs + prepaids$12,272Not just lender fees.
Before credits & paid funds$395,633The complete starting cash picture.
Estimated remaining funds due at closing
$395,633No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$383,361.33
Your down payment$383,361.33
Closing costs + prepaids$12,271.79
Total buyer cash needed$395,633.12
Remaining funds due$395,633.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.00
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)$659.75
Initial HOA (3 months)$90.00
Prepaid interest, first (18 days)$248.04
Fees + prepaids$12,271.79
Your down payment is the seller’s equity. You take over the $96,539 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $395,633.12 is due at closing. Uses and sources reconcile at $492,171.79 each. Not a Closing Disclosure.