Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$371,957Cash toward the purchase price.
Closing costs + prepaids$13,807Not just lender fees.
Before credits & paid funds$385,764The complete starting cash picture.
Estimated remaining funds due at closing
$385,764No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$371,957.22
Your down payment$371,957.22
Closing costs + prepaids$13,807.12
Total buyer cash needed$385,764.35
Remaining funds due$385,764.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,395.00
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)$1,348.75
Prepaid interest, first (29 days)$588.37
Fees + prepaids$13,807.12
Your down payment is the seller’s equity. You take over the $167,543 balance, so the rest of the $539,500 price is paid at closing. A second mortgage can cover part of it. $385,764.35 is due at closing. Uses and sources reconcile at $553,307.12 each. Not a Closing Disclosure.