Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$313,199Cash toward the purchase price.
Closing costs + prepaids$10,308Not just lender fees.
Before credits & paid funds$323,506The complete starting cash picture.
Estimated remaining funds due at closing
$323,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,198.62
Your down payment$313,198.62
Closing costs + prepaids$10,307.75
Total buyer cash needed$323,506.37
Remaining funds due$323,506.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$356.50
Prepaid interest, first (27 days)$176.25
Fees + prepaids$10,307.75
Your down payment is the seller’s equity. You take over the $41,801 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $323,506.37 is due at closing. Uses and sources reconcile at $365,307.75 each. Not a Closing Disclosure.