Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$373,868Cash toward the purchase price.
Closing costs + prepaids$13,963Not just lender fees.
Before credits & paid funds$387,831The complete starting cash picture.
Estimated remaining funds due at closing
$387,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$373,867.85
Your down payment$373,867.85
Closing costs + prepaids$13,963.04
Total buyer cash needed$387,830.89
Remaining funds due$387,830.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,599.00
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)$1,399.75
Prepaid interest, first (25 days)$489.29
Fees + prepaids$13,963.04
Your down payment is the seller’s equity. You take over the $186,032 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $387,830.89 is due at closing. Uses and sources reconcile at $573,863.04 each. Not a Closing Disclosure.