Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$354,626Cash toward the purchase price.
Closing costs + prepaids$13,044Not just lender fees.
Before credits & paid funds$367,670The complete starting cash picture.
Estimated remaining funds due at closing
$367,670No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$354,626.25
Your down payment$354,626.25
Closing costs + prepaids$13,044.05
Total buyer cash needed$367,670.30
Remaining funds due$367,670.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,580.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,509.00
Prepaid interest, first (25 days)$480.05
Fees + prepaids$13,044.05
Your down payment is the seller’s equity. You take over the $103,374 balance, so the rest of the $458,000 price is paid at closing. A second mortgage can cover part of it. $367,670.30 is due at closing. Uses and sources reconcile at $471,044.05 each. Not a Closing Disclosure.