Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$350,241Cash toward the purchase price.
Closing costs + prepaids$10,996Not just lender fees.
Before credits & paid funds$361,236The complete starting cash picture.
Estimated remaining funds due at closing
$361,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$350,240.80
Your down payment$350,240.80
Closing costs + prepaids$10,995.59
Total buyer cash needed$361,236.40
Remaining funds due$361,236.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$342.75
Prepaid interest, first (31 days)$328.84
Fees + prepaids$10,995.59
Your down payment is the seller’s equity. You take over the $59,659 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $361,236.40 is due at closing. Uses and sources reconcile at $420,895.59 each. Not a Closing Disclosure.