Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$318,564Cash toward the purchase price.
Closing costs + prepaids$10,673Not just lender fees.
Before credits & paid funds$329,237The complete starting cash picture.
Estimated remaining funds due at closing
$329,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$318,563.95
Your down payment$318,563.95
Closing costs + prepaids$10,672.91
Total buyer cash needed$329,236.86
Remaining funds due$329,236.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$468.00
Prepaid interest, first (10 days)$80.91
Fees + prepaids$10,672.91
Your down payment is the seller’s equity. You take over the $71,336 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $329,236.86 is due at closing. Uses and sources reconcile at $400,572.91 each. Not a Closing Disclosure.