Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$344,715Cash toward the purchase price.
Closing costs + prepaids$10,962Not just lender fees.
Before credits & paid funds$355,677The complete starting cash picture.
Estimated remaining funds due at closing
$355,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,714.67
Your down payment$344,714.67
Closing costs + prepaids$10,962.31
Total buyer cash needed$355,676.98
Remaining funds due$355,676.98
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)$528.50
Prepaid interest, first (1 days)$8.81
Fees + prepaids$10,962.31
Your down payment is the seller’s equity. You take over the $75,285 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $355,676.98 is due at closing. Uses and sources reconcile at $430,962.31 each. Not a Closing Disclosure.