Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$360,707Cash toward the purchase price.
Closing costs + prepaids$11,742Not just lender fees.
Before credits & paid funds$372,449The complete starting cash picture.
Estimated remaining funds due at closing
$372,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$360,707.47
Your down payment$360,707.47
Closing costs + prepaids$11,741.76
Total buyer cash needed$372,449.23
Remaining funds due$372,449.23
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)$1,099.75
Prepaid interest, first (2 days)$18.01
Fees + prepaids$11,741.76
Your down payment is the seller’s equity. You take over the $79,193 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $372,449.23 is due at closing. Uses and sources reconcile at $451,641.76 each. Not a Closing Disclosure.