Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$393,039Cash toward the purchase price.
Closing costs + prepaids$12,357Not just lender fees.
Before credits & paid funds$405,396The complete starting cash picture.
Estimated remaining funds due at closing
$405,396No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$393,039.11
Your down payment$393,039.11
Closing costs + prepaids$12,356.94
Total buyer cash needed$405,396.05
Remaining funds due$405,396.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$618.00
Prepaid interest, first (10 days)$113.94
Fees + prepaids$12,356.94
Your down payment is the seller’s equity. You take over the $121,961 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $405,396.05 is due at closing. Uses and sources reconcile at $527,356.94 each. Not a Closing Disclosure.