Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$331,483Cash toward the purchase price.
Closing costs + prepaids$11,186Not just lender fees.
Before credits & paid funds$342,669The complete starting cash picture.
Estimated remaining funds due at closing
$342,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,483.26
Your down payment$331,483.26
Closing costs + prepaids$11,185.63
Total buyer cash needed$342,668.90
Remaining funds due$342,668.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,140.00
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)$610.25
Prepaid interest, first (22 days)$210.38
Fees + prepaids$11,185.63
Your down payment is the seller’s equity. You take over the $82,517 balance, so the rest of the $414,000 price is paid at closing. A second mortgage can cover part of it. $342,668.90 is due at closing. Uses and sources reconcile at $425,185.63 each. Not a Closing Disclosure.