Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$365,815Cash toward the purchase price.
Closing costs + prepaids$10,396Not just lender fees.
Before credits & paid funds$376,211The complete starting cash picture.
Estimated remaining funds due at closing
$376,211No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$365,815.02
Your down payment$365,815.02
Closing costs + prepaids$10,396.02
Total buyer cash needed$376,211.05
Remaining funds due$376,211.05
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)$320.25
Prepaid interest, first (24 days)$60.77
Fees + prepaids$10,396.02
Your down payment is the seller’s equity. You take over the $13,185 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $376,211.05 is due at closing. Uses and sources reconcile at $389,396.02 each. Not a Closing Disclosure.