Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$337,923Cash toward the purchase price.
Closing costs + prepaids$10,215Not just lender fees.
Before credits & paid funds$348,138The complete starting cash picture.
Estimated remaining funds due at closing
$348,138No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$337,922.84
Your down payment$337,922.84
Closing costs + prepaids$10,215.46
Total buyer cash needed$348,138.30
Remaining funds due$348,138.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$426.00
Prepaid interest, first (10 days)$14.46
Fees + prepaids$10,215.46
Your down payment is the seller’s equity. You take over the $17,077 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $348,138.30 is due at closing. Uses and sources reconcile at $365,215.46 each. Not a Closing Disclosure.