Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$347,995Cash toward the purchase price.
Closing costs + prepaids$11,258Not just lender fees.
Before credits & paid funds$359,253The complete starting cash picture.
Estimated remaining funds due at closing
$359,253No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$347,995.17
Your down payment$347,995.17
Closing costs + prepaids$11,258.32
Total buyer cash needed$359,253.49
Remaining funds due$359,253.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$572.25
Prepaid interest, first (26 days)$261.07
Fees + prepaids$11,258.32
Your down payment is the seller’s equity. You take over the $72,005 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $359,253.49 is due at closing. Uses and sources reconcile at $431,258.32 each. Not a Closing Disclosure.