Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$356,924Cash toward the purchase price.
Closing costs + prepaids$16,075Not just lender fees.
Before credits & paid funds$372,999The complete starting cash picture.
Estimated remaining funds due at closing
$372,999No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$356,923.74
Your down payment$356,923.74
Closing costs + prepaids$16,074.80
Total buyer cash needed$372,998.55
Remaining funds due$372,998.55
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 (1 days)$81.30
Fees + prepaids$16,074.80
Your down payment is the seller’s equity. You take over the $468,076 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $372,998.55 is due at closing. Uses and sources reconcile at $841,074.80 each. Not a Closing Disclosure.