Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$359,726Cash toward the purchase price.
Closing costs + prepaids$17,227Not just lender fees.
Before credits & paid funds$376,953The complete starting cash picture.
Estimated remaining funds due at closing
$376,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$359,726.24
Your down payment$359,726.24
Closing costs + prepaids$17,226.95
Total buyer cash needed$376,953.19
Remaining funds due$376,953.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,500.00
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)$1,020.00
Prepaid interest, first (12 days)$481.95
Fees + prepaids$17,226.95
Your down payment is the seller’s equity. You take over the $490,274 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $376,953.19 is due at closing. Uses and sources reconcile at $867,226.95 each. Not a Closing Disclosure.