Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$371,295Cash toward the purchase price.
Closing costs + prepaids$10,965Not just lender fees.
Before credits & paid funds$382,260The complete starting cash picture.
Estimated remaining funds due at closing
$382,260No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$371,294.70
Your down payment$371,294.70
Closing costs + prepaids$10,964.83
Total buyer cash needed$382,259.52
Remaining funds due$382,259.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,290.00
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)$254.75
Prepaid interest, first (27 days)$195.08
Fees + prepaids$10,964.83
Your down payment is the seller’s equity. You take over the $57,705 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $382,259.52 is due at closing. Uses and sources reconcile at $439,964.83 each. Not a Closing Disclosure.