Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$360,843Cash toward the purchase price.
Closing costs + prepaids$10,140Not just lender fees.
Before credits & paid funds$370,983The complete starting cash picture.
Estimated remaining funds due at closing
$370,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$360,843.09
Your down payment$360,843.09
Closing costs + prepaids$10,139.97
Total buyer cash needed$370,983.06
Remaining funds due$370,983.06
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)$247.50
Prepaid interest, first (24 days)$17.47
Fees + prepaids$10,139.97
Your down payment is the seller’s equity. You take over the $4,157 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $370,983.06 is due at closing. Uses and sources reconcile at $375,139.97 each. Not a Closing Disclosure.