Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$359,304Cash toward the purchase price.
Closing costs + prepaids$25,041Not just lender fees.
Before credits & paid funds$384,346The complete starting cash picture.
Estimated remaining funds due at closing
$384,346No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$359,304.48
Your down payment$359,304.48
Closing costs + prepaids$25,041.16
Total buyer cash needed$384,345.64
Remaining funds due$384,345.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,990.00
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)$2,747.50
Prepaid interest, first (29 days)$4,078.66
Fees + prepaids$25,041.16
Your down payment is the seller’s equity. You take over the $739,696 balance, so the rest of the $1,099,000 price is paid at closing. A second mortgage can cover part of it. $384,345.64 is due at closing. Uses and sources reconcile at $1,124,041.16 each. Not a Closing Disclosure.