Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$350,916Cash toward the purchase price.
Closing costs + prepaids$10,212Not just lender fees.
Before credits & paid funds$361,128The complete starting cash picture.
Estimated remaining funds due at closing
$361,128No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$350,916.26
Your down payment$350,916.26
Closing costs + prepaids$10,212.23
Total buyer cash needed$361,128.48
Remaining funds due$361,128.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$333.75
Prepaid interest, first (31 days)$54.48
Fees + prepaids$10,212.23
Your down payment is the seller’s equity. You take over the $8,984 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $361,128.48 is due at closing. Uses and sources reconcile at $370,112.23 each. Not a Closing Disclosure.