Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$370,551Cash toward the purchase price.
Closing costs + prepaids$12,379Not just lender fees.
Before credits & paid funds$382,930The complete starting cash picture.
Estimated remaining funds due at closing
$382,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$370,550.58
Your down payment$370,550.58
Closing costs + prepaids$12,379.46
Total buyer cash needed$382,930.05
Remaining funds due$382,930.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,970.00
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)$921.75
Prepaid interest, first (1 days)$12.71
Fees + prepaids$12,379.46
Your down payment is the seller’s equity. You take over the $126,449 balance, so the rest of the $497,000 price is paid at closing. A second mortgage can cover part of it. $382,930.05 is due at closing. Uses and sources reconcile at $509,379.46 each. Not a Closing Disclosure.