Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$365,034Cash toward the purchase price.
Closing costs + prepaids$16,869Not just lender fees.
Before credits & paid funds$381,903The complete starting cash picture.
Estimated remaining funds due at closing
$381,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$365,034.25
Your down payment$365,034.25
Closing costs + prepaids$16,868.60
Total buyer cash needed$381,902.85
Remaining funds due$381,902.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,690.00
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)$1,922.50
Prepaid interest, first (1 days)$31.10
Fees + prepaids$16,868.60
Your down payment is the seller’s equity. You take over the $403,966 balance, so the rest of the $769,000 price is paid at closing. A second mortgage can cover part of it. $381,902.85 is due at closing. Uses and sources reconcile at $785,868.60 each. Not a Closing Disclosure.