Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$350,323Cash toward the purchase price.
Closing costs + prepaids$10,211Not just lender fees.
Before credits & paid funds$360,534The complete starting cash picture.
Estimated remaining funds due at closing
$360,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$350,322.67
Your down payment$350,322.67
Closing costs + prepaids$10,211.18
Total buyer cash needed$360,533.85
Remaining funds due$360,533.85
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)$282.50
Prepaid interest, first (1 days)$3.69
Fees + prepaids$10,211.18
Your down payment is the seller’s equity. You take over the $19,676 balance, so the rest of the $369,999 price is paid at closing. A second mortgage can cover part of it. $360,533.85 is due at closing. Uses and sources reconcile at $380,210.18 each. Not a Closing Disclosure.