Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$345,750Cash toward the purchase price.
Closing costs + prepaids$11,766Not just lender fees.
Before credits & paid funds$357,516The complete starting cash picture.
Estimated remaining funds due at closing
$357,516No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$345,750.13
Your down payment$345,750.13
Closing costs + prepaids$11,766.08
Total buyer cash needed$357,516.22
Remaining funds due$357,516.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$824.50
Prepaid interest, first (27 days)$317.58
Fees + prepaids$11,766.08
Your down payment is the seller’s equity. You take over the $94,150 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $357,516.22 is due at closing. Uses and sources reconcile at $451,666.08 each. Not a Closing Disclosure.