Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$341,905Cash toward the purchase price.
Closing costs + prepaids$10,986Not just lender fees.
Before credits & paid funds$352,892The complete starting cash picture.
Estimated remaining funds due at closing
$352,892No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$341,905.17
Your down payment$341,905.17
Closing costs + prepaids$10,986.48
Total buyer cash needed$352,891.65
Remaining funds due$352,891.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$362.50
Prepaid interest, first (31 days)$198.98
Fees + prepaids$10,986.48
Your down payment is the seller’s equity. You take over the $78,095 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $352,891.65 is due at closing. Uses and sources reconcile at $430,986.48 each. Not a Closing Disclosure.