Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$325,314Cash toward the purchase price.
Closing costs + prepaids$11,369Not just lender fees.
Before credits & paid funds$336,683The complete starting cash picture.
Estimated remaining funds due at closing
$336,683No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,314.08
Your down payment$325,314.08
Closing costs + prepaids$11,368.78
Total buyer cash needed$336,682.86
Remaining funds due$336,682.86
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)$667.50
Prepaid interest, first (30 days)$276.28
Fees + prepaids$11,368.78
Your down payment is the seller’s equity. You take over the $94,686 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $336,682.86 is due at closing. Uses and sources reconcile at $431,368.78 each. Not a Closing Disclosure.