Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$350,172Cash toward the purchase price.
Closing costs + prepaids$10,688Not just lender fees.
Before credits & paid funds$360,860The complete starting cash picture.
Estimated remaining funds due at closing
$360,860No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$350,172.22
Your down payment$350,172.22
Closing costs + prepaids$10,687.99
Total buyer cash needed$360,860.21
Remaining funds due$360,860.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$342.75
Prepaid interest, first (2 days)$21.24
Fees + prepaids$10,687.99
Your down payment is the seller’s equity. You take over the $59,728 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $360,860.21 is due at closing. Uses and sources reconcile at $420,587.99 each. Not a Closing Disclosure.