Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$364,267Cash toward the purchase price.
Closing costs + prepaids$11,650Not just lender fees.
Before credits & paid funds$375,917The complete starting cash picture.
Estimated remaining funds due at closing
$375,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$364,267.07
Your down payment$364,267.07
Closing costs + prepaids$11,650.43
Total buyer cash needed$375,917.50
Remaining funds due$375,917.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,690.00
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)$325.75
Prepaid interest, first (21 days)$159.68
Fees + prepaids$11,650.43
Your down payment is the seller’s equity. You take over the $104,733 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $375,917.50 is due at closing. Uses and sources reconcile at $480,650.43 each. Not a Closing Disclosure.