Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$334,496Cash toward the purchase price.
Closing costs + prepaids$12,042Not just lender fees.
Before credits & paid funds$346,538The complete starting cash picture.
Estimated remaining funds due at closing
$346,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,496.24
Your down payment$334,496.24
Closing costs + prepaids$12,042.06
Total buyer cash needed$346,538.30
Remaining funds due$346,538.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$1,486.25
Prepaid interest, first (29 days)$340.81
Fees + prepaids$12,042.06
Your down payment is the seller’s equity. You take over the $64,504 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $346,538.30 is due at closing. Uses and sources reconcile at $411,042.06 each. Not a Closing Disclosure.