Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$357,778Cash toward the purchase price.
Closing costs + prepaids$13,213Not just lender fees.
Before credits & paid funds$370,991The complete starting cash picture.
Estimated remaining funds due at closing
$370,991No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$357,778.02
Your down payment$357,778.02
Closing costs + prepaids$13,213.24
Total buyer cash needed$370,991.26
Remaining funds due$370,991.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$1,187.00
Prepaid interest, first (23 days)$401.24
Fees + prepaids$13,213.24
Your down payment is the seller’s equity. You take over the $157,222 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $370,991.26 is due at closing. Uses and sources reconcile at $528,213.24 each. Not a Closing Disclosure.