Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$360,477Cash toward the purchase price.
Closing costs + prepaids$19,918Not just lender fees.
Before credits & paid funds$380,395The complete starting cash picture.
Estimated remaining funds due at closing
$380,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$360,477.03
Your down payment$360,477.03
Closing costs + prepaids$19,918.35
Total buyer cash needed$380,395.38
Remaining funds due$380,395.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,490.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,186.25
Prepaid interest, first (18 days)$2,017.10
Fees + prepaids$19,918.35
Your down payment is the seller’s equity. You take over the $588,523 balance, so the rest of the $949,000 price is paid at closing. A second mortgage can cover part of it. $380,395.38 is due at closing. Uses and sources reconcile at $968,918.35 each. Not a Closing Disclosure.