Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$367,708Cash toward the purchase price.
Closing costs + prepaids$12,214Not just lender fees.
Before credits & paid funds$379,922The complete starting cash picture.
Estimated remaining funds due at closing
$379,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$367,707.95
Your down payment$367,707.95
Closing costs + prepaids$12,214.21
Total buyer cash needed$379,922.16
Remaining funds due$379,922.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$705.25
Prepaid interest, first (23 days)$283.96
Fees + prepaids$12,214.21
Your down payment is the seller’s equity. You take over the $107,292 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $379,922.16 is due at closing. Uses and sources reconcile at $487,214.21 each. Not a Closing Disclosure.