Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$349,278Cash toward the purchase price.
Closing costs + prepaids$11,117Not just lender fees.
Before credits & paid funds$360,395The complete starting cash picture.
Estimated remaining funds due at closing
$360,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,278.12
Your down payment$349,278.12
Closing costs + prepaids$11,117.07
Total buyer cash needed$360,395.19
Remaining funds due$360,395.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,250.00
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)$422.50
Prepaid interest, first (28 days)$219.57
Fees + prepaids$11,117.07
Your down payment is the seller’s equity. You take over the $75,722 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $360,395.19 is due at closing. Uses and sources reconcile at $436,117.07 each. Not a Closing Disclosure.