Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$358,122Cash toward the purchase price.
Closing costs + prepaids$10,938Not just lender fees.
Before credits & paid funds$369,061The complete starting cash picture.
Estimated remaining funds due at closing
$369,061No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$358,122.27
Your down payment$358,122.27
Closing costs + prepaids$10,938.35
Total buyer cash needed$369,060.63
Remaining funds due$369,060.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$498.00
Prepaid interest, first (6 days)$65.35
Fees + prepaids$10,938.35
Your down payment is the seller’s equity. You take over the $56,878 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $369,060.63 is due at closing. Uses and sources reconcile at $425,938.35 each. Not a Closing Disclosure.