Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$375,904Cash toward the purchase price.
Closing costs + prepaids$11,980Not just lender fees.
Before credits & paid funds$387,884The complete starting cash picture.
Estimated remaining funds due at closing
$387,884No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$375,904.49
Your down payment$375,904.49
Closing costs + prepaids$11,979.99
Total buyer cash needed$387,884.48
Remaining funds due$387,884.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$582.00
Prepaid interest, first (6 days)$72.99
Fees + prepaids$11,979.99
Your down payment is the seller’s equity. You take over the $109,096 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $387,884.48 is due at closing. Uses and sources reconcile at $496,979.99 each. Not a Closing Disclosure.