Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$346,457Cash toward the purchase price.
Closing costs + prepaids$11,747Not just lender fees.
Before credits & paid funds$358,204The complete starting cash picture.
Estimated remaining funds due at closing
$358,204No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$346,456.97
Your down payment$346,456.97
Closing costs + prepaids$11,746.67
Total buyer cash needed$358,203.63
Remaining funds due$358,203.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$746.50
Prepaid interest, first (25 days)$275.17
Fees + prepaids$11,746.67
Your down payment is the seller’s equity. You take over the $103,543 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $358,203.63 is due at closing. Uses and sources reconcile at $461,746.67 each. Not a Closing Disclosure.