Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$355,974Cash toward the purchase price.
Closing costs + prepaids$11,396Not just lender fees.
Before credits & paid funds$367,370The complete starting cash picture.
Estimated remaining funds due at closing
$367,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$355,974.09
Your down payment$355,974.09
Closing costs + prepaids$11,395.81
Total buyer cash needed$367,369.90
Remaining funds due$367,369.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.50
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)$436.50
Prepaid interest, first (24 days)$234.81
Fees + prepaids$11,395.81
Your down payment is the seller’s equity. You take over the $93,976 balance, so the rest of the $449,950 price is paid at closing. A second mortgage can cover part of it. $367,369.90 is due at closing. Uses and sources reconcile at $461,345.81 each. Not a Closing Disclosure.