Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$357,486Cash toward the purchase price.
Closing costs + prepaids$17,618Not just lender fees.
Before credits & paid funds$375,104The complete starting cash picture.
Estimated remaining funds due at closing
$375,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$357,485.92
Your down payment$357,485.92
Closing costs + prepaids$17,617.63
Total buyer cash needed$375,103.55
Remaining funds due$375,103.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,250.00
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)$518.50
Prepaid interest, first (20 days)$1,624.13
Fees + prepaids$17,617.63
Your down payment is the seller’s equity. You take over the $467,514 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $375,103.55 is due at closing. Uses and sources reconcile at $842,617.63 each. Not a Closing Disclosure.