Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$360,477Cash toward the purchase price.
Closing costs + prepaids$20,868Not just lender fees.
Before credits & paid funds$381,345The complete starting cash picture.
Estimated remaining funds due at closing
$381,345No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$360,477.03
Your down payment$360,477.03
Closing costs + prepaids$20,867.96
Total buyer cash needed$381,344.99
Remaining funds due$381,344.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,490.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,015.25
Prepaid interest, first (28 days)$3,137.71
Fees + prepaids$20,867.96
Your down payment is the seller’s equity. You take over the $588,523 balance, so the rest of the $949,000 price is paid at closing. A second mortgage can cover part of it. $381,344.99 is due at closing. Uses and sources reconcile at $969,867.96 each. Not a Closing Disclosure.