Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$315,515Cash toward the purchase price.
Closing costs + prepaids$10,372Not just lender fees.
Before credits & paid funds$325,887The complete starting cash picture.
Estimated remaining funds due at closing
$325,887No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$315,514.58
Your down payment$315,514.58
Closing costs + prepaids$10,372.36
Total buyer cash needed$325,886.94
Remaining funds due$325,886.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$441.00
Prepaid interest, first (27 days)$107.36
Fees + prepaids$10,372.36
Your down payment is the seller’s equity. You take over the $44,385 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $325,886.94 is due at closing. Uses and sources reconcile at $370,272.36 each. Not a Closing Disclosure.