Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$346,346Cash toward the purchase price.
Closing costs + prepaids$11,119Not just lender fees.
Before credits & paid funds$357,464The complete starting cash picture.
Estimated remaining funds due at closing
$357,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$346,345.54
Your down payment$346,345.54
Closing costs + prepaids$11,118.64
Total buyer cash needed$357,464.18
Remaining funds due$357,464.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$393.00
Initial HOA (3 months)$84.00
Prepaid interest, first (30 days)$217.64
Fees + prepaids$11,118.64
Your down payment is the seller’s equity. You take over the $73,554 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $357,464.18 is due at closing. Uses and sources reconcile at $431,018.64 each. Not a Closing Disclosure.