Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$367,365Cash toward the purchase price.
Closing costs + prepaids$11,010Not just lender fees.
Before credits & paid funds$378,374The complete starting cash picture.
Estimated remaining funds due at closing
$378,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$367,364.92
Your down payment$367,364.92
Closing costs + prepaids$11,009.55
Total buyer cash needed$378,374.47
Remaining funds due$378,374.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$947.50
Prepaid interest, first (24 days)$47.05
Fees + prepaids$11,009.55
Your down payment is the seller’s equity. You take over the $11,635 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $378,374.47 is due at closing. Uses and sources reconcile at $390,009.55 each. Not a Closing Disclosure.