Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$371,701Cash toward the purchase price.
Closing costs + prepaids$12,353Not just lender fees.
Before credits & paid funds$384,054The complete starting cash picture.
Estimated remaining funds due at closing
$384,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$371,701.23
Your down payment$371,701.23
Closing costs + prepaids$12,353.03
Total buyer cash needed$384,054.26
Remaining funds due$384,054.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$544.50
Prepaid interest, first (25 days)$343.53
Fees + prepaids$12,353.03
Your down payment is the seller’s equity. You take over the $127,299 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $384,054.26 is due at closing. Uses and sources reconcile at $511,353.03 each. Not a Closing Disclosure.