Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$360,383Cash toward the purchase price.
Closing costs + prepaids$14,475Not just lender fees.
Before credits & paid funds$374,858The complete starting cash picture.
Estimated remaining funds due at closing
$374,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$360,382.56
Your down payment$360,382.56
Closing costs + prepaids$14,475.49
Total buyer cash needed$374,858.05
Remaining funds due$374,858.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,849.00
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)$1,462.25
Prepaid interest, first (27 days)$689.24
Fees + prepaids$14,475.49
Your down payment is the seller’s equity. You take over the $224,517 balance, so the rest of the $584,900 price is paid at closing. A second mortgage can cover part of it. $374,858.05 is due at closing. Uses and sources reconcile at $599,375.49 each. Not a Closing Disclosure.