Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$341,754Cash toward the purchase price.
Closing costs + prepaids$10,235Not just lender fees.
Before credits & paid funds$351,990The complete starting cash picture.
Estimated remaining funds due at closing
$351,990No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$341,754.39
Your down payment$341,754.39
Closing costs + prepaids$10,235.12
Total buyer cash needed$351,989.52
Remaining funds due$351,989.52
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)$376.25
Prepaid interest, first (23 days)$34.87
Fees + prepaids$10,235.12
Your down payment is the seller’s equity. You take over the $18,146 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $351,989.52 is due at closing. Uses and sources reconcile at $370,135.12 each. Not a Closing Disclosure.