Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$374,266Cash toward the purchase price.
Closing costs + prepaids$12,322Not just lender fees.
Before credits & paid funds$386,588The complete starting cash picture.
Estimated remaining funds due at closing
$386,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$374,265.88
Your down payment$374,265.88
Closing costs + prepaids$12,322.34
Total buyer cash needed$386,588.22
Remaining funds due$386,588.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,970.00
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)$596.50
Prepaid interest, first (12 days)$280.84
Fees + prepaids$12,322.34
Your down payment is the seller’s equity. You take over the $122,734 balance, so the rest of the $497,000 price is paid at closing. A second mortgage can cover part of it. $386,588.22 is due at closing. Uses and sources reconcile at $509,322.34 each. Not a Closing Disclosure.