Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$335,761Cash toward the purchase price.
Closing costs + prepaids$9,855Not just lender fees.
Before credits & paid funds$345,616The complete starting cash picture.
Estimated remaining funds due at closing
$345,616No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$335,761.21
Your down payment$335,761.21
Closing costs + prepaids$9,854.68
Total buyer cash needed$345,615.89
Remaining funds due$345,615.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.99
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)$208.25
Prepaid interest, first (23 days)$21.44
Fees + prepaids$9,854.68
Your down payment is the seller’s equity. You take over the $4,238 balance, so the rest of the $339,999 price is paid at closing. A second mortgage can cover part of it. $345,615.89 is due at closing. Uses and sources reconcile at $349,853.68 each. Not a Closing Disclosure.