Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$316,067Cash toward the purchase price.
Closing costs + prepaids$11,206Not just lender fees.
Before credits & paid funds$327,273The complete starting cash picture.
Estimated remaining funds due at closing
$327,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,066.75
Your down payment$316,066.75
Closing costs + prepaids$11,206.13
Total buyer cash needed$327,272.88
Remaining funds due$327,272.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$1,055.00
Prepaid interest, first (28 days)$227.13
Fees + prepaids$11,206.13
Your down payment is the seller’s equity. You take over the $53,833 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $327,272.88 is due at closing. Uses and sources reconcile at $381,106.13 each. Not a Closing Disclosure.