Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$353,215Cash toward the purchase price.
Closing costs + prepaids$11,061Not just lender fees.
Before credits & paid funds$364,276The complete starting cash picture.
Estimated remaining funds due at closing
$364,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$353,215.30
Your down payment$353,215.30
Closing costs + prepaids$11,060.79
Total buyer cash needed$364,276.08
Remaining funds due$364,276.08
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)$390.75
Prepaid interest, first (31 days)$245.04
Fees + prepaids$11,060.79
Your down payment is the seller’s equity. You take over the $66,785 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $364,276.08 is due at closing. Uses and sources reconcile at $431,060.79 each. Not a Closing Disclosure.