Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$357,350Cash toward the purchase price.
Closing costs + prepaids$10,939Not just lender fees.
Before credits & paid funds$368,288The complete starting cash picture.
Estimated remaining funds due at closing
$368,288No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$357,349.51
Your down payment$357,349.51
Closing costs + prepaids$10,938.50
Total buyer cash needed$368,288.01
Remaining funds due$368,288.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,750.00
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)$956.25
Prepaid interest, first (5 days)$7.25
Fees + prepaids$10,938.50
Your down payment is the seller’s equity. You take over the $17,650 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $368,288.01 is due at closing. Uses and sources reconcile at $385,938.50 each. Not a Closing Disclosure.