Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$334,845Cash toward the purchase price.
Closing costs + prepaids$10,219Not just lender fees.
Before credits & paid funds$345,064The complete starting cash picture.
Estimated remaining funds due at closing
$345,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,844.50
Your down payment$334,844.50
Closing costs + prepaids$10,219.07
Total buyer cash needed$345,063.58
Remaining funds due$345,063.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,549.00
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)$341.00
Prepaid interest, first (31 days)$104.07
Fees + prepaids$10,219.07
Your down payment is the seller’s equity. You take over the $20,055 balance, so the rest of the $354,900 price is paid at closing. A second mortgage can cover part of it. $345,063.58 is due at closing. Uses and sources reconcile at $365,119.07 each. Not a Closing Disclosure.