Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$350,494Cash toward the purchase price.
Closing costs + prepaids$10,160Not just lender fees.
Before credits & paid funds$360,654The complete starting cash picture.
Estimated remaining funds due at closing
$360,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$350,494.44
Your down payment$350,494.44
Closing costs + prepaids$10,159.59
Total buyer cash needed$360,654.03
Remaining funds due$360,654.03
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)$333.75
Prepaid interest, first (1 days)$1.84
Fees + prepaids$10,159.59
Your down payment is the seller’s equity. You take over the $9,406 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $360,654.03 is due at closing. Uses and sources reconcile at $370,059.59 each. Not a Closing Disclosure.