Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$314,604Cash toward the purchase price.
Closing costs + prepaids$10,555Not just lender fees.
Before credits & paid funds$325,159The complete starting cash picture.
Estimated remaining funds due at closing
$325,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$314,604.42
Your down payment$314,604.42
Closing costs + prepaids$10,554.98
Total buyer cash needed$325,159.40
Remaining funds due$325,159.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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)$253.25
Prepaid interest, first (23 days)$277.73
Fees + prepaids$10,554.98
Your down payment is the seller’s equity. You take over the $65,296 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $325,159.40 is due at closing. Uses and sources reconcile at $390,454.98 each. Not a Closing Disclosure.