Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$373,866Cash toward the purchase price.
Closing costs + prepaids$13,535Not just lender fees.
Before credits & paid funds$387,401The complete starting cash picture.
Estimated remaining funds due at closing
$387,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$373,866.22
Your down payment$373,866.22
Closing costs + prepaids$13,534.95
Total buyer cash needed$387,401.17
Remaining funds due$387,401.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,849.00
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)$556.75
Prepaid interest, first (31 days)$654.20
Fees + prepaids$13,534.95
Your down payment is the seller’s equity. You take over the $211,034 balance, so the rest of the $584,900 price is paid at closing. A second mortgage can cover part of it. $387,401.17 is due at closing. Uses and sources reconcile at $598,434.95 each. Not a Closing Disclosure.