Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$346,214Cash toward the purchase price.
Closing costs + prepaids$10,624Not just lender fees.
Before credits & paid funds$356,838The complete starting cash picture.
Estimated remaining funds due at closing
$356,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$346,213.80
Your down payment$346,213.80
Closing costs + prepaids$10,624.08
Total buyer cash needed$356,837.88
Remaining funds due$356,837.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.99
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)$875.00
Prepaid interest, first (29 days)$24.09
Fees + prepaids$10,624.08
Your down payment is the seller’s equity. You take over the $3,785 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $356,837.88 is due at closing. Uses and sources reconcile at $360,623.08 each. Not a Closing Disclosure.