Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$338,848Cash toward the purchase price.
Closing costs + prepaids$10,574Not just lender fees.
Before credits & paid funds$349,422The complete starting cash picture.
Estimated remaining funds due at closing
$349,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$338,848.15
Your down payment$338,848.15
Closing costs + prepaids$10,573.73
Total buyer cash needed$349,421.88
Remaining funds due$349,421.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,800.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$356.50
Prepaid interest, first (31 days)$192.23
Fees + prepaids$10,573.73
Your down payment is the seller’s equity. You take over the $41,152 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $349,421.88 is due at closing. Uses and sources reconcile at $390,573.73 each. Not a Closing Disclosure.