Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$336,087Cash toward the purchase price.
Closing costs + prepaids$11,294Not just lender fees.
Before credits & paid funds$347,381The complete starting cash picture.
Estimated remaining funds due at closing
$347,381No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$336,086.74
Your down payment$336,086.74
Closing costs + prepaids$11,294.05
Total buyer cash needed$347,380.79
Remaining funds due$347,380.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,305.00
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)$519.25
Prepaid interest, first (26 days)$244.80
Fees + prepaids$11,294.05
Your down payment is the seller’s equity. You take over the $94,413 balance, so the rest of the $430,500 price is paid at closing. A second mortgage can cover part of it. $347,380.79 is due at closing. Uses and sources reconcile at $441,794.05 each. Not a Closing Disclosure.