Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$363,301Cash toward the purchase price.
Closing costs + prepaids$11,899Not just lender fees.
Before credits & paid funds$375,200The complete starting cash picture.
Estimated remaining funds due at closing
$375,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$363,301.09
Your down payment$363,301.09
Closing costs + prepaids$11,898.75
Total buyer cash needed$375,199.84
Remaining funds due$375,199.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
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)$392.75
Prepaid interest, first (29 days)$332.00
Fees + prepaids$11,898.75
Your down payment is the seller’s equity. You take over the $106,599 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $375,199.84 is due at closing. Uses and sources reconcile at $481,798.75 each. Not a Closing Disclosure.