Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$360,217Cash toward the purchase price.
Closing costs + prepaids$11,048Not just lender fees.
Before credits & paid funds$371,265The complete starting cash picture.
Estimated remaining funds due at closing
$371,265No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$360,216.51
Your down payment$360,216.51
Closing costs + prepaids$11,048.24
Total buyer cash needed$371,264.75
Remaining funds due$371,264.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$483.00
Prepaid interest, first (25 days)$190.24
Fees + prepaids$11,048.24
Your down payment is the seller’s equity. You take over the $54,783 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $371,264.75 is due at closing. Uses and sources reconcile at $426,048.24 each. Not a Closing Disclosure.