Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$385,293Cash toward the purchase price.
Closing costs + prepaids$15,843Not just lender fees.
Before credits & paid funds$401,136The complete starting cash picture.
Estimated remaining funds due at closing
$401,136No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$385,293.28
Your down payment$385,293.28
Closing costs + prepaids$15,843.07
Total buyer cash needed$401,136.36
Remaining funds due$401,136.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,150.00
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)$893.75
Prepaid interest, first (17 days)$574.32
Fees + prepaids$15,843.07
Your down payment is the seller’s equity. You take over the $329,707 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $401,136.36 is due at closing. Uses and sources reconcile at $730,843.07 each. Not a Closing Disclosure.