Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$353,773Cash toward the purchase price.
Closing costs + prepaids$10,077Not just lender fees.
Before credits & paid funds$363,850The complete starting cash picture.
Estimated remaining funds due at closing
$363,850No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$353,773.15
Your down payment$353,773.15
Closing costs + prepaids$10,076.83
Total buyer cash needed$363,849.98
Remaining funds due$363,849.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$299.00
Prepaid interest, first (28 days)$2.83
Fees + prepaids$10,076.83
Your down payment is the seller’s equity. You take over the $1,227 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $363,849.98 is due at closing. Uses and sources reconcile at $365,076.83 each. Not a Closing Disclosure.