Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$362,570Cash toward the purchase price.
Closing costs + prepaids$18,886Not just lender fees.
Before credits & paid funds$381,456The complete starting cash picture.
Estimated remaining funds due at closing
$381,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$362,570.28
Your down payment$362,570.28
Closing costs + prepaids$18,885.69
Total buyer cash needed$381,455.97
Remaining funds due$381,455.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,250.00
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)$2,928.75
Prepaid interest, first (6 days)$481.94
Fees + prepaids$18,885.69
Your down payment is the seller’s equity. You take over the $462,430 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $381,455.97 is due at closing. Uses and sources reconcile at $843,885.69 each. Not a Closing Disclosure.