Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$373,463Cash toward the purchase price.
Closing costs + prepaids$14,152Not just lender fees.
Before credits & paid funds$387,616The complete starting cash picture.
Estimated remaining funds due at closing
$387,616No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$373,463.40
Your down payment$373,463.40
Closing costs + prepaids$14,152.26
Total buyer cash needed$387,615.66
Remaining funds due$387,615.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$1,040.50
Prepaid interest, first (31 days)$686.76
Fees + prepaids$14,152.26
Your down payment is the seller’s equity. You take over the $221,537 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $387,615.66 is due at closing. Uses and sources reconcile at $609,152.26 each. Not a Closing Disclosure.