Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$373,254Cash toward the purchase price.
Closing costs + prepaids$12,376Not just lender fees.
Before credits & paid funds$385,630The complete starting cash picture.
Estimated remaining funds due at closing
$385,630No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$373,253.55
Your down payment$373,253.55
Closing costs + prepaids$12,376.38
Total buyer cash needed$385,629.93
Remaining funds due$385,629.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.94
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)$600.00
Initial HOA (3 months)$153.00
Prepaid interest, first (9 days)$148.44
Fees + prepaids$12,376.38
Your down payment is the seller’s equity. You take over the $126,740 balance, so the rest of the $499,994 price is paid at closing. A second mortgage can cover part of it. $385,629.93 is due at closing. Uses and sources reconcile at $512,370.38 each. Not a Closing Disclosure.