Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$325,764Cash toward the purchase price.
Closing costs + prepaids$11,258Not just lender fees.
Before credits & paid funds$337,023The complete starting cash picture.
Estimated remaining funds due at closing
$337,023No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,764.42
Your down payment$325,764.42
Closing costs + prepaids$11,258.17
Total buyer cash needed$337,022.59
Remaining funds due$337,022.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$437.25
Prepaid interest, first (27 days)$396.92
Fees + prepaids$11,258.17
Your down payment is the seller’s equity. You take over the $94,136 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $337,022.59 is due at closing. Uses and sources reconcile at $431,158.17 each. Not a Closing Disclosure.