Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$373,670Cash toward the purchase price.
Closing costs + prepaids$10,936Not just lender fees.
Before credits & paid funds$384,606The complete starting cash picture.
Estimated remaining funds due at closing
$384,606No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$373,669.58
Your down payment$373,669.58
Closing costs + prepaids$10,935.98
Total buyer cash needed$384,605.55
Remaining funds due$384,605.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$492.00
Prepaid interest, first (17 days)$119.98
Fees + prepaids$10,935.98
Your down payment is the seller’s equity. You take over the $36,230 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $384,605.55 is due at closing. Uses and sources reconcile at $420,835.98 each. Not a Closing Disclosure.