Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$363,066Cash toward the purchase price.
Closing costs + prepaids$22,163Not just lender fees.
Before credits & paid funds$385,229The complete starting cash picture.
Estimated remaining funds due at closing
$385,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$363,065.92
Your down payment$363,065.92
Closing costs + prepaids$22,162.84
Total buyer cash needed$385,228.76
Remaining funds due$385,228.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,290.00
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)$2,572.50
Prepaid interest, first (26 days)$2,075.34
Fees + prepaids$22,162.84
Your down payment is the seller’s equity. You take over the $665,934 balance, so the rest of the $1,029,000 price is paid at closing. A second mortgage can cover part of it. $385,228.76 is due at closing. Uses and sources reconcile at $1,051,162.84 each. Not a Closing Disclosure.