Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$371,497Cash toward the purchase price.
Closing costs + prepaids$10,769Not just lender fees.
Before credits & paid funds$382,266The complete starting cash picture.
Estimated remaining funds due at closing
$382,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$371,496.87
Your down payment$371,496.87
Closing costs + prepaids$10,768.65
Total buyer cash needed$382,265.51
Remaining funds due$382,265.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$710.25
Prepaid interest, first (31 days)$43.40
Fees + prepaids$10,768.65
Your down payment is the seller’s equity. You take over the $7,503 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $382,265.51 is due at closing. Uses and sources reconcile at $389,768.65 each. Not a Closing Disclosure.