Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$375,596Cash toward the purchase price.
Closing costs + prepaids$11,342Not just lender fees.
Before credits & paid funds$386,938The complete starting cash picture.
Estimated remaining funds due at closing
$386,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$375,596.44
Your down payment$375,596.44
Closing costs + prepaids$11,341.76
Total buyer cash needed$386,938.20
Remaining funds due$386,938.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$997.50
Prepaid interest, first (28 days)$129.26
Fees + prepaids$11,341.76
Your down payment is the seller’s equity. You take over the $23,404 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $386,938.20 is due at closing. Uses and sources reconcile at $410,341.76 each. Not a Closing Disclosure.