Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$365,024Cash toward the purchase price.
Closing costs + prepaids$14,373Not just lender fees.
Before credits & paid funds$379,397The complete starting cash picture.
Estimated remaining funds due at closing
$379,397No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$365,024.44
Your down payment$365,024.44
Closing costs + prepaids$14,372.54
Total buyer cash needed$379,396.98
Remaining funds due$379,396.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,550.00
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)$818.75
Prepaid interest, first (16 days)$528.79
Fees + prepaids$14,372.54
Your down payment is the seller’s equity. You take over the $289,976 balance, so the rest of the $655,000 price is paid at closing. A second mortgage can cover part of it. $379,396.98 is due at closing. Uses and sources reconcile at $669,372.54 each. Not a Closing Disclosure.