Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$373,272Cash toward the purchase price.
Closing costs + prepaids$11,869Not just lender fees.
Before credits & paid funds$385,141The complete starting cash picture.
Estimated remaining funds due at closing
$385,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$373,271.64
Your down payment$373,271.64
Closing costs + prepaids$11,869.32
Total buyer cash needed$385,140.95
Remaining funds due$385,140.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,570.00
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)$519.25
Prepaid interest, first (31 days)$305.07
Fees + prepaids$11,869.32
Your down payment is the seller’s equity. You take over the $83,728 balance, so the rest of the $457,000 price is paid at closing. A second mortgage can cover part of it. $385,140.95 is due at closing. Uses and sources reconcile at $468,869.32 each. Not a Closing Disclosure.