Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$350,916Cash toward the purchase price.
Closing costs + prepaids$10,272Not just lender fees.
Before credits & paid funds$361,188The complete starting cash picture.
Estimated remaining funds due at closing
$361,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$350,916.26
Your down payment$350,916.26
Closing costs + prepaids$10,271.82
Total buyer cash needed$361,188.07
Remaining funds due$361,188.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$432.00
Prepaid interest, first (9 days)$15.82
Fees + prepaids$10,271.82
Your down payment is the seller’s equity. You take over the $8,984 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $361,188.07 is due at closing. Uses and sources reconcile at $370,171.82 each. Not a Closing Disclosure.