Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$368,921Cash toward the purchase price.
Closing costs + prepaids$12,624Not just lender fees.
Before credits & paid funds$381,544The complete starting cash picture.
Estimated remaining funds due at closing
$381,544No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$368,920.62
Your down payment$368,920.62
Closing costs + prepaids$12,623.73
Total buyer cash needed$381,544.35
Remaining funds due$381,544.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,800.00
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)$953.50
Prepaid interest, first (27 days)$395.23
Fees + prepaids$12,623.73
Your down payment is the seller’s equity. You take over the $111,079 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $381,544.35 is due at closing. Uses and sources reconcile at $492,623.73 each. Not a Closing Disclosure.