Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$350,345Cash toward the purchase price.
Closing costs + prepaids$10,406Not just lender fees.
Before credits & paid funds$360,751The complete starting cash picture.
Estimated remaining funds due at closing
$360,751No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$350,344.98
Your down payment$350,344.98
Closing costs + prepaids$10,405.82
Total buyer cash needed$360,750.80
Remaining funds due$360,750.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.99
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)$444.00
Prepaid interest, first (10 days)$36.83
Fees + prepaids$10,405.82
Your down payment is the seller’s equity. You take over the $19,654 balance, so the rest of the $369,999 price is paid at closing. A second mortgage can cover part of it. $360,750.80 is due at closing. Uses and sources reconcile at $380,404.82 each. Not a Closing Disclosure.