Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$377,024Cash toward the purchase price.
Closing costs + prepaids$11,684Not just lender fees.
Before credits & paid funds$388,708The complete starting cash picture.
Estimated remaining funds due at closing
$388,708No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$377,024.06
Your down payment$377,024.06
Closing costs + prepaids$11,683.84
Total buyer cash needed$388,707.90
Remaining funds due$388,707.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$842.50
Prepaid interest, first (31 days)$217.34
Fees + prepaids$11,683.84
Your down payment is the seller’s equity. You take over the $62,876 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $388,707.90 is due at closing. Uses and sources reconcile at $451,583.84 each. Not a Closing Disclosure.