Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$377,671Cash toward the purchase price.
Closing costs + prepaids$11,958Not just lender fees.
Before credits & paid funds$389,628The complete starting cash picture.
Estimated remaining funds due at closing
$389,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$377,670.79
Your down payment$377,670.79
Closing costs + prepaids$11,957.66
Total buyer cash needed$389,628.46
Remaining funds due$389,628.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,600.00
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)$667.75
Prepaid interest, first (24 days)$214.91
Fees + prepaids$11,957.66
Your down payment is the seller’s equity. You take over the $82,329 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $389,628.46 is due at closing. Uses and sources reconcile at $471,957.66 each. Not a Closing Disclosure.