Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$356,960Cash toward the purchase price.
Closing costs + prepaids$10,719Not just lender fees.
Before credits & paid funds$367,678The complete starting cash picture.
Estimated remaining funds due at closing
$367,678No 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$10,718.77
Total buyer cash needed$367,678.37
Remaining funds due$367,678.37
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)$478.75
Prepaid interest, first (6 days)$25.02
Fees + prepaids$10,718.77
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. $367,678.37 is due at closing. Uses and sources reconcile at $409,718.77 each. Not a Closing Disclosure.