Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$358,391Cash toward the purchase price.
Closing costs + prepaids$10,783Not just lender fees.
Before credits & paid funds$369,175The complete starting cash picture.
Estimated remaining funds due at closing
$369,175No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$358,391.46
Your down payment$358,391.46
Closing costs + prepaids$10,783.18
Total buyer cash needed$369,174.64
Remaining funds due$369,174.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$832.50
Prepaid interest, first (31 days)$26.68
Fees + prepaids$10,783.18
Your down payment is the seller’s equity. You take over the $11,509 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $369,174.64 is due at closing. Uses and sources reconcile at $380,683.18 each. Not a Closing Disclosure.