Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$354,758Cash toward the purchase price.
Closing costs + prepaids$27,614Not just lender fees.
Before credits & paid funds$382,372The complete starting cash picture.
Estimated remaining funds due at closing
$382,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$354,758.22
Your down payment$354,758.22
Closing costs + prepaids$27,614.14
Total buyer cash needed$382,372.37
Remaining funds due$382,372.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$13,499.99
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)$3,375.00
Prepaid interest, first (24 days)$3,514.15
Fees + prepaids$27,614.14
Your down payment is the seller’s equity. You take over the $995,241 balance, so the rest of the $1,349,999 price is paid at closing. A second mortgage can cover part of it. $382,372.37 is due at closing. Uses and sources reconcile at $1,377,613.14 each. Not a Closing Disclosure.