Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$339,962Cash toward the purchase price.
Closing costs + prepaids$11,243Not just lender fees.
Before credits & paid funds$351,205The complete starting cash picture.
Estimated remaining funds due at closing
$351,205No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$339,961.69
Your down payment$339,961.69
Closing costs + prepaids$11,242.93
Total buyer cash needed$351,204.62
Remaining funds due$351,204.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.00
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)$496.50
Prepaid interest, first (23 days)$272.43
Fees + prepaids$11,242.93
Your down payment is the seller’s equity. You take over the $84,938 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $351,204.62 is due at closing. Uses and sources reconcile at $436,142.93 each. Not a Closing Disclosure.