Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$321,686Cash toward the purchase price.
Closing costs + prepaids$11,435Not just lender fees.
Before credits & paid funds$333,122The complete starting cash picture.
Estimated remaining funds due at closing
$333,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$321,686.39
Your down payment$321,686.39
Closing costs + prepaids$11,435.22
Total buyer cash needed$333,121.61
Remaining funds due$333,121.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,600.00
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)$1,475.50
Prepaid interest, first (31 days)$134.72
Fees + prepaids$11,435.22
Your down payment is the seller’s equity. You take over the $38,314 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $333,121.61 is due at closing. Uses and sources reconcile at $371,435.22 each. Not a Closing Disclosure.