Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$355,936Cash toward the purchase price.
Closing costs + prepaids$14,686Not just lender fees.
Before credits & paid funds$370,621The complete starting cash picture.
Estimated remaining funds due at closing
$370,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$355,935.79
Your down payment$355,935.79
Closing costs + prepaids$14,685.56
Total buyer cash needed$370,621.35
Remaining funds due$370,621.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$1,487.50
Prepaid interest, first (29 days)$773.06
Fees + prepaids$14,685.56
Your down payment is the seller’s equity. You take over the $239,064 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $370,621.35 is due at closing. Uses and sources reconcile at $609,685.56 each. Not a Closing Disclosure.