Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$355,481Cash toward the purchase price.
Closing costs + prepaids$12,213Not just lender fees.
Before credits & paid funds$367,694The complete starting cash picture.
Estimated remaining funds due at closing
$367,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$355,480.69
Your down payment$355,480.69
Closing costs + prepaids$12,213.18
Total buyer cash needed$367,693.87
Remaining funds due$367,693.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$708.00
Prepaid interest, first (2 days)$31.18
Fees + prepaids$12,213.18
Your down payment is the seller’s equity. You take over the $144,419 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $367,693.87 is due at closing. Uses and sources reconcile at $512,113.18 each. Not a Closing Disclosure.