Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$373,143Cash toward the purchase price.
Closing costs + prepaids$11,451Not just lender fees.
Before credits & paid funds$384,594The complete starting cash picture.
Estimated remaining funds due at closing
$384,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$373,142.91
Your down payment$373,142.91
Closing costs + prepaids$11,451.46
Total buyer cash needed$384,594.37
Remaining funds due$384,594.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.99
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)$432.75
Prepaid interest, first (29 days)$293.72
Fees + prepaids$11,451.46
Your down payment is the seller’s equity. You take over the $76,856 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $384,594.37 is due at closing. Uses and sources reconcile at $461,450.46 each. Not a Closing Disclosure.