Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$339,740Cash toward the purchase price.
Closing costs + prepaids$10,502Not just lender fees.
Before credits & paid funds$350,241The complete starting cash picture.
Estimated remaining funds due at closing
$350,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$339,739.82
Your down payment$339,739.82
Closing costs + prepaids$10,501.61
Total buyer cash needed$350,241.43
Remaining funds due$350,241.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$575.50
Prepaid interest, first (2 days)$11.11
Fees + prepaids$10,501.61
Your down payment is the seller’s equity. You take over the $29,260 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $350,241.43 is due at closing. Uses and sources reconcile at $379,501.61 each. Not a Closing Disclosure.