Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$371,018Cash toward the purchase price.
Closing costs + prepaids$13,250Not just lender fees.
Before credits & paid funds$384,268The complete starting cash picture.
Estimated remaining funds due at closing
$384,268No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$371,017.98
Your down payment$371,017.98
Closing costs + prepaids$13,249.93
Total buyer cash needed$384,267.91
Remaining funds due$384,267.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,195.00
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)$1,298.75
Prepaid interest, first (24 days)$281.18
Fees + prepaids$13,249.93
Your down payment is the seller’s equity. You take over the $148,482 balance, so the rest of the $519,500 price is paid at closing. A second mortgage can cover part of it. $384,267.91 is due at closing. Uses and sources reconcile at $532,749.93 each. Not a Closing Disclosure.