Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$356,960Cash toward the purchase price.
Closing costs + prepaids$10,909Not just lender fees.
Before credits & paid funds$367,869The complete starting cash picture.
Estimated remaining funds due at closing
$367,869No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$356,959.61
Your down payment$356,959.61
Closing costs + prepaids$10,908.91
Total buyer cash needed$367,868.51
Remaining funds due$367,868.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$585.50
Prepaid interest, first (26 days)$108.41
Fees + prepaids$10,908.91
Your down payment is the seller’s equity. You take over the $42,040 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $367,868.51 is due at closing. Uses and sources reconcile at $409,908.91 each. Not a Closing Disclosure.