Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$341,364Cash toward the purchase price.
Closing costs + prepaids$11,684Not just lender fees.
Before credits & paid funds$353,048The complete starting cash picture.
Estimated remaining funds due at closing
$353,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$341,363.88
Your down payment$341,363.88
Closing costs + prepaids$11,684.10
Total buyer cash needed$353,047.98
Remaining funds due$353,047.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$738.00
Prepaid interest, first (22 days)$271.10
Fees + prepaids$11,684.10
Your down payment is the seller’s equity. You take over the $103,636 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $353,047.98 is due at closing. Uses and sources reconcile at $456,684.10 each. Not a Closing Disclosure.