Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$346,507Cash toward the purchase price.
Closing costs + prepaids$10,235Not just lender fees.
Before credits & paid funds$356,742The complete starting cash picture.
Estimated remaining funds due at closing
$356,742No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$346,507.39
Your down payment$346,507.39
Closing costs + prepaids$10,234.72
Total buyer cash needed$356,742.11
Remaining funds due$356,742.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,600.00
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)$337.75
Prepaid interest, first (30 days)$71.97
Fees + prepaids$10,234.72
Your down payment is the seller’s equity. You take over the $13,493 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $356,742.11 is due at closing. Uses and sources reconcile at $370,234.72 each. Not a Closing Disclosure.