Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$370,212Cash toward the purchase price.
Closing costs + prepaids$14,790Not just lender fees.
Before credits & paid funds$385,002The complete starting cash picture.
Estimated remaining funds due at closing
$385,002No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$370,212.08
Your down payment$370,212.08
Closing costs + prepaids$14,789.79
Total buyer cash needed$385,001.87
Remaining funds due$385,001.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,099.99
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)$1,525.00
Prepaid interest, first (25 days)$689.80
Fees + prepaids$14,789.79
Your down payment is the seller’s equity. You take over the $239,787 balance, so the rest of the $609,999 price is paid at closing. A second mortgage can cover part of it. $385,001.87 is due at closing. Uses and sources reconcile at $624,788.79 each. Not a Closing Disclosure.