Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$374,063Cash toward the purchase price.
Closing costs + prepaids$10,520Not just lender fees.
Before credits & paid funds$384,583The complete starting cash picture.
Estimated remaining funds due at closing
$384,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$374,062.66
Your down payment$374,062.66
Closing costs + prepaids$10,519.97
Total buyer cash needed$384,582.63
Remaining funds due$384,582.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,900.00
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)$393.75
Prepaid interest, first (1 days)$1.22
Fees + prepaids$10,519.97
Your down payment is the seller’s equity. You take over the $15,937 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $384,582.63 is due at closing. Uses and sources reconcile at $400,519.97 each. Not a Closing Disclosure.