Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$371,957Cash toward the purchase price.
Closing costs + prepaids$13,584Not just lender fees.
Before credits & paid funds$385,541The complete starting cash picture.
Estimated remaining funds due at closing
$385,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$371,957.22
Your down payment$371,957.22
Closing costs + prepaids$13,583.95
Total buyer cash needed$385,541.17
Remaining funds due$385,541.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,395.00
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)$1,348.75
Prepaid interest, first (18 days)$365.20
Fees + prepaids$13,583.95
Your down payment is the seller’s equity. You take over the $167,543 balance, so the rest of the $539,500 price is paid at closing. A second mortgage can cover part of it. $385,541.17 is due at closing. Uses and sources reconcile at $553,083.95 each. Not a Closing Disclosure.