Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$371,537Cash toward the purchase price.
Closing costs + prepaids$10,287Not just lender fees.
Before credits & paid funds$381,824The complete starting cash picture.
Estimated remaining funds due at closing
$381,824No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$371,537.11
Your down payment$371,537.11
Closing costs + prepaids$10,287.29
Total buyer cash needed$381,824.40
Remaining funds due$381,824.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,750.00
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)$291.25
Prepaid interest, first (28 days)$21.04
Fees + prepaids$10,287.29
Your down payment is the seller’s equity. You take over the $3,463 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $381,824.40 is due at closing. Uses and sources reconcile at $385,287.29 each. Not a Closing Disclosure.