Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$366,817Cash toward the purchase price.
Closing costs + prepaids$16,503Not just lender fees.
Before credits & paid funds$383,320The complete starting cash picture.
Estimated remaining funds due at closing
$383,320No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$366,817.16
Your down payment$366,817.16
Closing costs + prepaids$16,502.89
Total buyer cash needed$383,320.06
Remaining funds due$383,320.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,289.90
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)$1,859.00
Prepaid interest, first (4 days)$128.99
Fees + prepaids$16,502.89
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $728,990 price is paid at closing. A second mortgage can cover part of it. $383,320.06 is due at closing. Uses and sources reconcile at $745,492.89 each. Not a Closing Disclosure.