Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$361,821Cash toward the purchase price.
Closing costs + prepaids$14,426Not just lender fees.
Before credits & paid funds$376,246The complete starting cash picture.
Estimated remaining funds due at closing
$376,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$361,820.57
Your down payment$361,820.57
Closing costs + prepaids$14,425.76
Total buyer cash needed$376,246.33
Remaining funds due$376,246.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,899.00
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)$1,474.75
Prepaid interest, first (27 days)$577.01
Fees + prepaids$14,425.76
Your down payment is the seller’s equity. You take over the $228,079 balance, so the rest of the $589,900 price is paid at closing. A second mortgage can cover part of it. $376,246.33 is due at closing. Uses and sources reconcile at $604,325.76 each. Not a Closing Disclosure.