Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$375,940Cash toward the purchase price.
Closing costs + prepaids$10,703Not just lender fees.
Before credits & paid funds$386,643The complete starting cash picture.
Estimated remaining funds due at closing
$386,643No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$375,939.89
Your down payment$375,939.89
Closing costs + prepaids$10,703.17
Total buyer cash needed$386,643.05
Remaining funds due$386,643.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$519.50
Prepaid interest, first (24 days)$59.67
Fees + prepaids$10,703.17
Your down payment is the seller’s equity. You take over the $13,960 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $386,643.05 is due at closing. Uses and sources reconcile at $400,603.17 each. Not a Closing Disclosure.