Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$332,871Cash toward the purchase price.
Closing costs + prepaids$11,266Not just lender fees.
Before credits & paid funds$344,137The complete starting cash picture.
Estimated remaining funds due at closing
$344,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,871.33
Your down payment$332,871.33
Closing costs + prepaids$11,265.99
Total buyer cash needed$344,137.33
Remaining funds due$344,137.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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
Prepaid interest, first (30 days)$297.99
Fees + prepaids$11,265.99
Your down payment is the seller’s equity. You take over the $102,129 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $344,137.33 is due at closing. Uses and sources reconcile at $446,265.99 each. Not a Closing Disclosure.