Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$359,508Cash toward the purchase price.
Closing costs + prepaids$11,731Not just lender fees.
Before credits & paid funds$371,239The complete starting cash picture.
Estimated remaining funds due at closing
$371,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$359,507.96
Your down payment$359,507.96
Closing costs + prepaids$11,730.72
Total buyer cash needed$371,238.68
Remaining funds due$371,238.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$537.50
Prepaid interest, first (2 days)$18.22
Fees + prepaids$11,730.72
Your down payment is the seller’s equity. You take over the $110,492 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $371,238.68 is due at closing. Uses and sources reconcile at $481,730.72 each. Not a Closing Disclosure.