Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$390,869Cash toward the purchase price.
Closing costs + prepaids$16,898Not just lender fees.
Before credits & paid funds$407,767The complete starting cash picture.
Estimated remaining funds due at closing
$407,767No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$390,869.14
Your down payment$390,869.14
Closing costs + prepaids$16,898.21
Total buyer cash needed$407,767.35
Remaining funds due$407,767.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,739.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$967.50
Prepaid interest, first (14 days)$966.71
Fees + prepaids$16,898.21
Your down payment is the seller’s equity. You take over the $383,031 balance, so the rest of the $773,900 price is paid at closing. A second mortgage can cover part of it. $407,767.35 is due at closing. Uses and sources reconcile at $790,798.21 each. Not a Closing Disclosure.