Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$318,290Cash toward the purchase price.
Closing costs + prepaids$10,551Not just lender fees.
Before credits & paid funds$328,841The complete starting cash picture.
Estimated remaining funds due at closing
$328,841No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$318,290.47
Your down payment$318,290.47
Closing costs + prepaids$10,550.98
Total buyer cash needed$328,841.44
Remaining funds due$328,841.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.99
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)$386.00
Prepaid interest, first (18 days)$139.99
Fees + prepaids$10,550.98
Your down payment is the seller’s equity. You take over the $61,709 balance, so the rest of the $379,999 price is paid at closing. A second mortgage can cover part of it. $328,841.44 is due at closing. Uses and sources reconcile at $390,549.98 each. Not a Closing Disclosure.