Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$368,640Cash toward the purchase price.
Closing costs + prepaids$11,309Not just lender fees.
Before credits & paid funds$379,949The complete starting cash picture.
Estimated remaining funds due at closing
$379,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$368,640.37
Your down payment$368,640.37
Closing costs + prepaids$11,308.62
Total buyer cash needed$379,948.99
Remaining funds due$379,948.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$997.50
Prepaid interest, first (27 days)$96.12
Fees + prepaids$11,308.62
Your down payment is the seller’s equity. You take over the $30,360 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $379,948.99 is due at closing. Uses and sources reconcile at $410,308.62 each. Not a Closing Disclosure.