Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$371,123Cash toward the purchase price.
Closing costs + prepaids$12,649Not just lender fees.
Before credits & paid funds$383,771The complete starting cash picture.
Estimated remaining funds due at closing
$383,771No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$371,122.63
Your down payment$371,122.63
Closing costs + prepaids$12,648.56
Total buyer cash needed$383,771.19
Remaining funds due$383,771.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$866.00
Prepaid interest, first (22 days)$317.56
Fees + prepaids$12,648.56
Your down payment is the seller’s equity. You take over the $127,877 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $383,771.19 is due at closing. Uses and sources reconcile at $511,648.56 each. Not a Closing Disclosure.