Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$375,158Cash toward the purchase price.
Closing costs + prepaids$11,521Not just lender fees.
Before credits & paid funds$386,680The complete starting cash picture.
Estimated remaining funds due at closing
$386,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$375,158.40
Your down payment$375,158.40
Closing costs + prepaids$11,521.25
Total buyer cash needed$386,679.66
Remaining funds due$386,679.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,439.00
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)$629.50
Prepaid interest, first (29 days)$227.75
Fees + prepaids$11,521.25
Your down payment is the seller’s equity. You take over the $68,742 balance, so the rest of the $443,900 price is paid at closing. A second mortgage can cover part of it. $386,679.66 is due at closing. Uses and sources reconcile at $455,421.25 each. Not a Closing Disclosure.