Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$328,805Cash toward the purchase price.
Closing costs + prepaids$10,807Not just lender fees.
Before credits & paid funds$339,612The complete starting cash picture.
Estimated remaining funds due at closing
$339,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,804.52
Your down payment$328,804.52
Closing costs + prepaids$10,807.21
Total buyer cash needed$339,611.74
Remaining funds due$339,611.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,400.00
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)$1,180.00
Prepaid interest, first (1 days)$2.21
Fees + prepaids$10,807.21
Your down payment is the seller’s equity. You take over the $11,195 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $339,611.74 is due at closing. Uses and sources reconcile at $350,807.21 each. Not a Closing Disclosure.