Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$323,731Cash toward the purchase price.
Closing costs + prepaids$11,300Not just lender fees.
Before credits & paid funds$335,031The complete starting cash picture.
Estimated remaining funds due at closing
$335,031No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,730.71
Your down payment$323,730.71
Closing costs + prepaids$11,299.79
Total buyer cash needed$335,030.50
Remaining funds due$335,030.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,980.00
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)$741.25
Prepaid interest, first (25 days)$353.54
Fees + prepaids$11,299.79
Your down payment is the seller’s equity. You take over the $74,269 balance, so the rest of the $398,000 price is paid at closing. A second mortgage can cover part of it. $335,030.50 is due at closing. Uses and sources reconcile at $409,299.79 each. Not a Closing Disclosure.