Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$328,622Cash toward the purchase price.
Closing costs + prepaids$10,733Not just lender fees.
Before credits & paid funds$339,355The complete starting cash picture.
Estimated remaining funds due at closing
$339,355No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,622.25
Your down payment$328,622.25
Closing costs + prepaids$10,732.85
Total buyer cash needed$339,355.10
Remaining funds due$339,355.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,900.00
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)$468.75
Prepaid interest, first (22 days)$139.10
Fees + prepaids$10,732.85
Your down payment is the seller’s equity. You take over the $61,378 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $339,355.10 is due at closing. Uses and sources reconcile at $400,732.85 each. Not a Closing Disclosure.