Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$363,915Cash toward the purchase price.
Closing costs + prepaids$11,078Not just lender fees.
Before credits & paid funds$374,993The complete starting cash picture.
Estimated remaining funds due at closing
$374,993No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$363,915.29
Your down payment$363,915.29
Closing costs + prepaids$11,078.06
Total buyer cash needed$374,993.35
Remaining funds due$374,993.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$221.25
Prepaid interest, first (22 days)$181.81
Fees + prepaids$11,078.06
Your down payment is the seller’s equity. You take over the $81,085 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $374,993.35 is due at closing. Uses and sources reconcile at $456,078.06 each. Not a Closing Disclosure.