Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$355,782Cash toward the purchase price.
Closing costs + prepaids$17,787Not just lender fees.
Before credits & paid funds$373,569The complete starting cash picture.
Estimated remaining funds due at closing
$373,569No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$355,781.57
Your down payment$355,781.57
Closing costs + prepaids$17,787.23
Total buyer cash needed$373,568.80
Remaining funds due$373,568.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,750.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,937.50
Prepaid interest, first (28 days)$874.73
Fees + prepaids$17,787.23
Your down payment is the seller’s equity. You take over the $419,218 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $373,568.80 is due at closing. Uses and sources reconcile at $792,787.23 each. Not a Closing Disclosure.