Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$336,770Cash toward the purchase price.
Closing costs + prepaids$10,309Not just lender fees.
Before credits & paid funds$347,079The complete starting cash picture.
Estimated remaining funds due at closing
$347,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$336,769.92
Your down payment$336,769.92
Closing costs + prepaids$10,309.18
Total buyer cash needed$347,079.10
Remaining funds due$347,079.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,450.00
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)$595.00
Prepaid interest, first (25 days)$39.18
Fees + prepaids$10,309.18
Your down payment is the seller’s equity. You take over the $8,230 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $347,079.10 is due at closing. Uses and sources reconcile at $355,309.18 each. Not a Closing Disclosure.