Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$332,474Cash toward the purchase price.
Closing costs + prepaids$10,351Not just lender fees.
Before credits & paid funds$342,824The complete starting cash picture.
Estimated remaining funds due at closing
$342,824No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,473.61
Your down payment$332,473.61
Closing costs + prepaids$10,350.69
Total buyer cash needed$342,824.30
Remaining funds due$342,824.30
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)$438.00
Prepaid interest, first (10 days)$37.69
Fees + prepaids$10,350.69
Your down payment is the seller’s equity. You take over the $32,526 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $342,824.30 is due at closing. Uses and sources reconcile at $375,350.69 each. Not a Closing Disclosure.