Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$336,805Cash toward the purchase price.
Closing costs + prepaids$10,936Not just lender fees.
Before credits & paid funds$347,741The complete starting cash picture.
Estimated remaining funds due at closing
$347,741No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$336,805.17
Your down payment$336,805.17
Closing costs + prepaids$10,936.19
Total buyer cash needed$347,741.36
Remaining funds due$347,741.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.00
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)$498.00
Prepaid interest, first (10 days)$64.19
Fees + prepaids$10,936.19
Your down payment is the seller’s equity. You take over the $78,095 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $347,741.36 is due at closing. Uses and sources reconcile at $425,836.19 each. Not a Closing Disclosure.