Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$376,208Cash toward the purchase price.
Closing costs + prepaids$10,391Not just lender fees.
Before credits & paid funds$386,599The complete starting cash picture.
Estimated remaining funds due at closing
$386,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$376,208.37
Your down payment$376,208.37
Closing costs + prepaids$10,390.61
Total buyer cash needed$386,598.98
Remaining funds due$386,598.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.99
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)$347.25
Prepaid interest, first (23 days)$18.37
Fees + prepaids$10,390.61
Your down payment is the seller’s equity. You take over the $3,791 balance, so the rest of the $379,999 price is paid at closing. A second mortgage can cover part of it. $386,598.98 is due at closing. Uses and sources reconcile at $390,389.61 each. Not a Closing Disclosure.