Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$366,487Cash toward the purchase price.
Closing costs + prepaids$11,795Not just lender fees.
Before credits & paid funds$378,281The complete starting cash picture.
Estimated remaining funds due at closing
$378,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$366,486.71
Your down payment$366,486.71
Closing costs + prepaids$11,794.73
Total buyer cash needed$378,281.44
Remaining funds due$378,281.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$841.00
Prepaid interest, first (31 days)$338.73
Fees + prepaids$11,794.73
Your down payment is the seller’s equity. You take over the $72,513 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $378,281.44 is due at closing. Uses and sources reconcile at $450,794.73 each. Not a Closing Disclosure.