Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$359,680Cash toward the purchase price.
Closing costs + prepaids$11,327Not just lender fees.
Before credits & paid funds$371,007The complete starting cash picture.
Estimated remaining funds due at closing
$371,007No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$359,680.10
Your down payment$359,680.10
Closing costs + prepaids$11,326.94
Total buyer cash needed$371,007.04
Remaining funds due$371,007.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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)$1,197.50
Prepaid interest, first (31 days)$105.44
Fees + prepaids$11,326.94
Your down payment is the seller’s equity. You take over the $20,220 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $371,007.04 is due at closing. Uses and sources reconcile at $391,226.94 each. Not a Closing Disclosure.