Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$326,619Cash toward the purchase price.
Closing costs + prepaids$11,953Not just lender fees.
Before credits & paid funds$338,572The complete starting cash picture.
Estimated remaining funds due at closing
$338,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,618.87
Your down payment$326,618.87
Closing costs + prepaids$11,952.75
Total buyer cash needed$338,571.62
Remaining funds due$338,571.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$1,087.50
Prepaid interest, first (25 days)$290.25
Fees + prepaids$11,952.75
Your down payment is the seller’s equity. You take over the $108,381 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $338,571.62 is due at closing. Uses and sources reconcile at $446,952.75 each. Not a Closing Disclosure.