Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$358,701Cash toward the purchase price.
Closing costs + prepaids$25,856Not just lender fees.
Before credits & paid funds$384,558The complete starting cash picture.
Estimated remaining funds due at closing
$384,558No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$358,701.25
Your down payment$358,701.25
Closing costs + prepaids$25,856.40
Total buyer cash needed$384,557.65
Remaining funds due$384,557.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,999.99
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)$3,000.00
Prepaid interest, first (23 days)$3,631.41
Fees + prepaids$25,856.40
Your down payment is the seller’s equity. You take over the $841,298 balance, so the rest of the $1,199,999 price is paid at closing. A second mortgage can cover part of it. $384,557.65 is due at closing. Uses and sources reconcile at $1,225,855.40 each. Not a Closing Disclosure.