Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$371,123Cash toward the purchase price.
Closing costs + prepaids$12,764Not just lender fees.
Before credits & paid funds$383,887The complete starting cash picture.
Estimated remaining funds due at closing
$383,887No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$371,122.63
Your down payment$371,122.63
Closing costs + prepaids$12,764.03
Total buyer cash needed$383,886.67
Remaining funds due$383,886.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$866.00
Prepaid interest, first (30 days)$433.03
Fees + prepaids$12,764.03
Your down payment is the seller’s equity. You take over the $127,877 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $383,886.67 is due at closing. Uses and sources reconcile at $511,764.03 each. Not a Closing Disclosure.