Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$338,250Cash toward the purchase price.
Closing costs + prepaids$10,178Not just lender fees.
Before credits & paid funds$348,428The complete starting cash picture.
Estimated remaining funds due at closing
$348,428No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$338,250.05
Your down payment$338,250.05
Closing costs + prepaids$10,177.71
Total buyer cash needed$348,427.76
Remaining funds due$348,427.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
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)$383.25
Prepaid interest, first (31 days)$69.46
Fees + prepaids$10,177.71
Your down payment is the seller’s equity. You take over the $11,750 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $348,427.76 is due at closing. Uses and sources reconcile at $360,177.71 each. Not a Closing Disclosure.