Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$367,341Cash toward the purchase price.
Closing costs + prepaids$10,966Not just lender fees.
Before credits & paid funds$378,307The complete starting cash picture.
Estimated remaining funds due at closing
$378,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$367,341.01
Your down payment$367,341.01
Closing costs + prepaids$10,966.43
Total buyer cash needed$378,307.44
Remaining funds due$378,307.44
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)$947.50
Prepaid interest, first (2 days)$3.93
Fees + prepaids$10,966.43
Your down payment is the seller’s equity. You take over the $11,659 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $378,307.44 is due at closing. Uses and sources reconcile at $389,966.43 each. Not a Closing Disclosure.