Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$373,076Cash toward the purchase price.
Closing costs + prepaids$10,782Not just lender fees.
Before credits & paid funds$383,858The complete starting cash picture.
Estimated remaining funds due at closing
$383,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$373,076.14
Your down payment$373,076.14
Closing costs + prepaids$10,781.92
Total buyer cash needed$383,858.06
Remaining funds due$383,858.06
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)$450.75
Prepaid interest, first (1 days)$7.17
Fees + prepaids$10,781.92
Your down payment is the seller’s equity. You take over the $36,824 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $383,858.06 is due at closing. Uses and sources reconcile at $420,681.92 each. Not a Closing Disclosure.