Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$340,080Cash toward the purchase price.
Closing costs + prepaids$27,802Not just lender fees.
Before credits & paid funds$367,883The complete starting cash picture.
Estimated remaining funds due at closing
$367,883No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$340,080.20
Your down payment$340,080.20
Closing costs + prepaids$27,802.34
Total buyer cash needed$367,882.55
Remaining funds due$367,882.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$14,290.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,572.50
Prepaid interest, first (28 days)$2,714.84
Fees + prepaids$27,802.34
Your down payment is the seller’s equity. You take over the $1,088,920 balance, so the rest of the $1,429,000 price is paid at closing. A second mortgage can cover part of it. $367,882.55 is due at closing. Uses and sources reconcile at $1,456,802.34 each. Not a Closing Disclosure.