Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$356,884Cash toward the purchase price.
Closing costs + prepaids$11,315Not just lender fees.
Before credits & paid funds$368,199The complete starting cash picture.
Estimated remaining funds due at closing
$368,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$356,883.88
Your down payment$356,883.88
Closing costs + prepaids$11,315.49
Total buyer cash needed$368,199.37
Remaining funds due$368,199.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$999.75
Prepaid interest, first (28 days)$91.74
Fees + prepaids$11,315.49
Your down payment is the seller’s equity. You take over the $43,016 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $368,199.37 is due at closing. Uses and sources reconcile at $411,215.49 each. Not a Closing Disclosure.