Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$328,492Cash toward the purchase price.
Closing costs + prepaids$10,340Not just lender fees.
Before credits & paid funds$338,832The complete starting cash picture.
Estimated remaining funds due at closing
$338,832No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,491.94
Your down payment$328,491.94
Closing costs + prepaids$10,340.49
Total buyer cash needed$338,832.44
Remaining funds due$338,832.44
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)$432.00
Prepaid interest, first (12 days)$83.49
Fees + prepaids$10,340.49
Your down payment is the seller’s equity. You take over the $31,508 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $338,832.44 is due at closing. Uses and sources reconcile at $370,340.49 each. Not a Closing Disclosure.