Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$363,915Cash toward the purchase price.
Closing costs + prepaids$11,152Not just lender fees.
Before credits & paid funds$375,068The complete starting cash picture.
Estimated remaining funds due at closing
$375,068No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$363,915.29
Your down payment$363,915.29
Closing costs + prepaids$11,152.43
Total buyer cash needed$375,067.73
Remaining funds due$375,067.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$221.25
Prepaid interest, first (31 days)$256.18
Fees + prepaids$11,152.43
Your down payment is the seller’s equity. You take over the $81,085 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $375,067.73 is due at closing. Uses and sources reconcile at $456,152.43 each. Not a Closing Disclosure.