Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$353,813Cash toward the purchase price.
Closing costs + prepaids$10,511Not just lender fees.
Before credits & paid funds$364,324The complete starting cash picture.
Estimated remaining funds due at closing
$364,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$353,812.56
Your down payment$353,812.56
Closing costs + prepaids$10,511.05
Total buyer cash needed$364,323.61
Remaining funds due$364,323.61
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)$468.75
Prepaid interest, first (17 days)$67.30
Fees + prepaids$10,511.05
Your down payment is the seller’s equity. You take over the $21,187 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $364,323.61 is due at closing. Uses and sources reconcile at $385,511.05 each. Not a Closing Disclosure.