Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$367,263Cash toward the purchase price.
Closing costs + prepaids$10,307Not just lender fees.
Before credits & paid funds$377,571The complete starting cash picture.
Estimated remaining funds due at closing
$377,571No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$367,263.32
Your down payment$367,263.32
Closing costs + prepaids$10,307.44
Total buyer cash needed$377,570.76
Remaining funds due$377,570.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,780.00
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)$277.00
Prepaid interest, first (31 days)$25.44
Fees + prepaids$10,307.44
Your down payment is the seller’s equity. You take over the $10,737 balance, so the rest of the $378,000 price is paid at closing. A second mortgage can cover part of it. $377,570.76 is due at closing. Uses and sources reconcile at $388,307.44 each. Not a Closing Disclosure.