Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$371,126Cash toward the purchase price.
Closing costs + prepaids$11,067Not just lender fees.
Before credits & paid funds$382,193The complete starting cash picture.
Estimated remaining funds due at closing
$382,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$371,125.84
Your down payment$371,125.84
Closing costs + prepaids$11,066.83
Total buyer cash needed$382,192.67
Remaining funds due$382,192.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$981.75
Prepaid interest, first (4 days)$10.08
Fees + prepaids$11,066.83
Your down payment is the seller’s equity. You take over the $13,874 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $382,192.67 is due at closing. Uses and sources reconcile at $396,066.83 each. Not a Closing Disclosure.