Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$363,424Cash toward the purchase price.
Closing costs + prepaids$10,180Not just lender fees.
Before credits & paid funds$373,605The complete starting cash picture.
Estimated remaining funds due at closing
$373,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$363,424.41
Your down payment$363,424.41
Closing costs + prepaids$10,180.42
Total buyer cash needed$373,604.83
Remaining funds due$373,604.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,750.00
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)$203.25
Prepaid interest, first (1 days)$2.17
Fees + prepaids$10,180.42
Your down payment is the seller’s equity. You take over the $11,576 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $373,604.83 is due at closing. Uses and sources reconcile at $385,180.42 each. Not a Closing Disclosure.