Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$391,229Cash toward the purchase price.
Closing costs + prepaids$10,795Not just lender fees.
Before credits & paid funds$402,024The complete starting cash picture.
Estimated remaining funds due at closing
$402,024No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$391,228.50
Your down payment$391,228.50
Closing costs + prepaids$10,795.23
Total buyer cash needed$402,023.73
Remaining funds due$402,023.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$261.50
Prepaid interest, first (1 days)$8.73
Fees + prepaids$10,795.23
Your down payment is the seller’s equity. You take over the $38,771 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $402,023.73 is due at closing. Uses and sources reconcile at $440,795.23 each. Not a Closing Disclosure.