Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$355,111Cash toward the purchase price.
Closing costs + prepaids$10,047Not just lender fees.
Before credits & paid funds$365,158The complete starting cash picture.
Estimated remaining funds due at closing
$365,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$355,111.09
Your down payment$355,111.09
Closing costs + prepaids$10,046.79
Total buyer cash needed$365,157.88
Remaining funds due$365,157.88
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)$123.00
Prepaid interest, first (27 days)$48.79
Fees + prepaids$10,046.79
Your down payment is the seller’s equity. You take over the $9,889 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $365,157.88 is due at closing. Uses and sources reconcile at $375,046.79 each. Not a Closing Disclosure.