Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$349,041Cash toward the purchase price.
Closing costs + prepaids$10,953Not just lender fees.
Before credits & paid funds$359,994The complete starting cash picture.
Estimated remaining funds due at closing
$359,994No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,040.89
Your down payment$349,040.89
Closing costs + prepaids$10,953.10
Total buyer cash needed$359,993.99
Remaining funds due$359,993.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$1,002.50
Prepaid interest, first (26 days)$75.60
Fees + prepaids$10,953.10
Your down payment is the seller’s equity. You take over the $15,959 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $359,993.99 is due at closing. Uses and sources reconcile at $375,953.10 each. Not a Closing Disclosure.