Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$369,526Cash toward the purchase price.
Closing costs + prepaids$11,861Not just lender fees.
Before credits & paid funds$381,387The complete starting cash picture.
Estimated remaining funds due at closing
$381,387No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$369,526.15
Your down payment$369,526.15
Closing costs + prepaids$11,860.96
Total buyer cash needed$381,387.10
Remaining funds due$381,387.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$1,125.00
Prepaid interest, first (1 days)$10.96
Fees + prepaids$11,860.96
Your down payment is the seller’s equity. You take over the $80,474 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $381,387.10 is due at closing. Uses and sources reconcile at $461,860.96 each. Not a Closing Disclosure.