Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$340,445Cash toward the purchase price.
Closing costs + prepaids$10,911Not just lender fees.
Before credits & paid funds$351,356The complete starting cash picture.
Estimated remaining funds due at closing
$351,356No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$340,445.45
Your down payment$340,445.45
Closing costs + prepaids$10,910.89
Total buyer cash needed$351,356.34
Remaining funds due$351,356.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,940.00
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)$432.50
Prepaid interest, first (31 days)$313.39
Fees + prepaids$10,910.89
Your down payment is the seller’s equity. You take over the $53,555 balance, so the rest of the $394,000 price is paid at closing. A second mortgage can cover part of it. $351,356.34 is due at closing. Uses and sources reconcile at $404,910.89 each. Not a Closing Disclosure.