Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$331,490Cash toward the purchase price.
Closing costs + prepaids$11,145Not just lender fees.
Before credits & paid funds$342,635The complete starting cash picture.
Estimated remaining funds due at closing
$342,635No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,489.66
Your down payment$331,489.66
Closing costs + prepaids$11,144.97
Total buyer cash needed$342,634.63
Remaining funds due$342,634.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$581.75
Prepaid interest, first (25 days)$138.22
Fees + prepaids$11,144.97
Your down payment is the seller’s equity. You take over the $88,510 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $342,634.63 is due at closing. Uses and sources reconcile at $431,144.97 each. Not a Closing Disclosure.