Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$315,963Cash toward the purchase price.
Closing costs + prepaids$10,082Not just lender fees.
Before credits & paid funds$326,045The complete starting cash picture.
Estimated remaining funds due at closing
$326,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$315,962.71
Your down payment$315,962.71
Closing costs + prepaids$10,082.04
Total buyer cash needed$326,044.75
Remaining funds due$326,044.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,490.00
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)$283.50
Prepaid interest, first (26 days)$83.54
Fees + prepaids$10,082.04
Your down payment is the seller’s equity. You take over the $33,037 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $326,044.75 is due at closing. Uses and sources reconcile at $359,082.04 each. Not a Closing Disclosure.