Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$357,895Cash toward the purchase price.
Closing costs + prepaids$22,383Not just lender fees.
Before credits & paid funds$380,279The complete starting cash picture.
Estimated remaining funds due at closing
$380,279No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$357,895.48
Your down payment$357,895.48
Closing costs + prepaids$22,383.03
Total buyer cash needed$380,278.51
Remaining funds due$380,278.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,999.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,000.00
Prepaid interest, first (1 days)$158.04
Fees + prepaids$22,383.03
Your down payment is the seller’s equity. You take over the $842,104 balance, so the rest of the $1,199,999 price is paid at closing. A second mortgage can cover part of it. $380,278.51 is due at closing. Uses and sources reconcile at $1,222,382.03 each. Not a Closing Disclosure.