Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$368,526Cash toward the purchase price.
Closing costs + prepaids$20,333Not just lender fees.
Before credits & paid funds$388,859The complete starting cash picture.
Estimated remaining funds due at closing
$388,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$368,526.26
Your down payment$368,526.26
Closing costs + prepaids$20,332.54
Total buyer cash needed$388,858.80
Remaining funds due$388,858.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,490.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,122.50
Prepaid interest, first (27 days)$2,495.04
Fees + prepaids$20,332.54
Your down payment is the seller’s equity. You take over the $480,474 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $388,858.80 is due at closing. Uses and sources reconcile at $869,332.54 each. Not a Closing Disclosure.