Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$357,486Cash toward the purchase price.
Closing costs + prepaids$18,511Not just lender fees.
Before credits & paid funds$375,997The complete starting cash picture.
Estimated remaining funds due at closing
$375,997No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$357,485.92
Your down payment$357,485.92
Closing costs + prepaids$18,510.90
Total buyer cash needed$375,996.82
Remaining funds due$375,996.82
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)$518.50
Prepaid interest, first (31 days)$2,517.40
Fees + prepaids$18,510.90
Your down payment is the seller’s equity. You take over the $467,514 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $375,996.82 is due at closing. Uses and sources reconcile at $843,510.90 each. Not a Closing Disclosure.