Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$373,135Cash toward the purchase price.
Closing costs + prepaids$11,056Not just lender fees.
Before credits & paid funds$384,191The complete starting cash picture.
Estimated remaining funds due at closing
$384,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$373,135.47
Your down payment$373,135.47
Closing costs + prepaids$11,055.58
Total buyer cash needed$384,191.05
Remaining funds due$384,191.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$479.00
Prepaid interest, first (25 days)$201.58
Fees + prepaids$11,055.58
Your down payment is the seller’s equity. You take over the $41,865 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $384,191.05 is due at closing. Uses and sources reconcile at $426,055.58 each. Not a Closing Disclosure.