Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$317,370Cash toward the purchase price.
Closing costs + prepaids$10,204Not just lender fees.
Before credits & paid funds$327,574The complete starting cash picture.
Estimated remaining funds due at closing
$327,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$317,369.89
Your down payment$317,369.89
Closing costs + prepaids$10,204.34
Total buyer cash needed$327,574.23
Remaining funds due$327,574.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$211.50
Prepaid interest, first (30 days)$168.84
Fees + prepaids$10,204.34
Your down payment is the seller’s equity. You take over the $42,530 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $327,574.23 is due at closing. Uses and sources reconcile at $370,104.34 each. Not a Closing Disclosure.