Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$369,330Cash toward the purchase price.
Closing costs + prepaids$14,993Not just lender fees.
Before credits & paid funds$384,323The complete starting cash picture.
Estimated remaining funds due at closing
$384,323No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$369,329.54
Your down payment$369,329.54
Closing costs + prepaids$14,993.48
Total buyer cash needed$384,323.03
Remaining funds due$384,323.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,199.99
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)$1,550.00
Prepaid interest, first (30 days)$768.49
Fees + prepaids$14,993.48
Your down payment is the seller’s equity. You take over the $250,669 balance, so the rest of the $619,999 price is paid at closing. A second mortgage can cover part of it. $384,323.03 is due at closing. Uses and sources reconcile at $634,992.48 each. Not a Closing Disclosure.