Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$351,633Cash toward the purchase price.
Closing costs + prepaids$9,944Not just lender fees.
Before credits & paid funds$361,577The complete starting cash picture.
Estimated remaining funds due at closing
$361,577No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$351,632.56
Your down payment$351,632.56
Closing costs + prepaids$9,944.04
Total buyer cash needed$361,576.60
Remaining funds due$361,576.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$153.25
Prepaid interest, first (21 days)$15.79
Fees + prepaids$9,944.04
Your down payment is the seller’s equity. You take over the $3,367 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $361,576.60 is due at closing. Uses and sources reconcile at $364,944.04 each. Not a Closing Disclosure.