Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$307,033Cash toward the purchase price.
Closing costs + prepaids$10,365Not just lender fees.
Before credits & paid funds$317,398The complete starting cash picture.
Estimated remaining funds due at closing
$317,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$307,032.83
Your down payment$307,032.83
Closing costs + prepaids$10,365.39
Total buyer cash needed$317,398.21
Remaining funds due$317,398.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,620.00
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)$397.50
Prepaid interest, first (24 days)$122.89
Fees + prepaids$10,365.39
Your down payment is the seller’s equity. You take over the $54,967 balance, so the rest of the $362,000 price is paid at closing. A second mortgage can cover part of it. $317,398.21 is due at closing. Uses and sources reconcile at $372,365.39 each. Not a Closing Disclosure.