Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$309,126Cash toward the purchase price.
Closing costs + prepaids$10,544Not just lender fees.
Before credits & paid funds$319,670The complete starting cash picture.
Estimated remaining funds due at closing
$319,670No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,125.70
Your down payment$309,125.70
Closing costs + prepaids$10,544.43
Total buyer cash needed$319,670.13
Remaining funds due$319,670.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$578.50
Prepaid interest, first (27 days)$90.93
Fees + prepaids$10,544.43
Your down payment is the seller’s equity. You take over the $55,874 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $319,670.13 is due at closing. Uses and sources reconcile at $375,544.43 each. Not a Closing Disclosure.