Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$357,023Cash toward the purchase price.
Closing costs + prepaids$10,776Not just lender fees.
Before credits & paid funds$367,799The complete starting cash picture.
Estimated remaining funds due at closing
$367,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$357,023.09
Your down payment$357,023.09
Closing costs + prepaids$10,776.03
Total buyer cash needed$367,799.12
Remaining funds due$367,799.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$707.75
Prepaid interest, first (25 days)$94.28
Fees + prepaids$10,776.03
Your down payment is the seller’s equity. You take over the $17,877 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $367,799.12 is due at closing. Uses and sources reconcile at $385,676.03 each. Not a Closing Disclosure.