Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$342,734Cash toward the purchase price.
Closing costs + prepaids$10,507Not just lender fees.
Before credits & paid funds$353,241The complete starting cash picture.
Estimated remaining funds due at closing
$353,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,733.68
Your down payment$342,733.68
Closing costs + prepaids$10,506.86
Total buyer cash needed$353,240.53
Remaining funds due$353,240.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
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)$768.00
Prepaid interest, first (24 days)$13.86
Fees + prepaids$10,506.86
Your down payment is the seller’s equity. You take over the $7,266 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $353,240.53 is due at closing. Uses and sources reconcile at $360,506.86 each. Not a Closing Disclosure.