Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$357,371Cash toward the purchase price.
Closing costs + prepaids$12,829Not just lender fees.
Before credits & paid funds$370,200The complete starting cash picture.
Estimated remaining funds due at closing
$370,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$357,370.73
Your down payment$357,370.73
Closing costs + prepaids$12,829.49
Total buyer cash needed$370,200.22
Remaining funds due$370,200.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$1,187.00
Prepaid interest, first (1 days)$17.49
Fees + prepaids$12,829.49
Your down payment is the seller’s equity. You take over the $157,629 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $370,200.22 is due at closing. Uses and sources reconcile at $527,829.49 each. Not a Closing Disclosure.