Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$338,381Cash toward the purchase price.
Closing costs + prepaids$10,884Not just lender fees.
Before credits & paid funds$349,265The complete starting cash picture.
Estimated remaining funds due at closing
$349,265No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$338,380.66
Your down payment$338,380.66
Closing costs + prepaids$10,884.18
Total buyer cash needed$349,264.84
Remaining funds due$349,264.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$943.25
Prepaid interest, first (5 days)$16.93
Fees + prepaids$10,884.18
Your down payment is the seller’s equity. You take over the $31,519 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $349,264.84 is due at closing. Uses and sources reconcile at $380,784.18 each. Not a Closing Disclosure.