Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$349,026Cash toward the purchase price.
Closing costs + prepaids$10,194Not just lender fees.
Before credits & paid funds$359,221The complete starting cash picture.
Estimated remaining funds due at closing
$359,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,026.40
Your down payment$349,026.40
Closing costs + prepaids$10,194.40
Total buyer cash needed$359,220.80
Remaining funds due$359,220.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$313.50
Prepaid interest, first (2 days)$5.90
Fees + prepaids$10,194.40
Your down payment is the seller’s equity. You take over the $15,974 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $359,220.80 is due at closing. Uses and sources reconcile at $375,194.40 each. Not a Closing Disclosure.