Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$340,288Cash toward the purchase price.
Closing costs + prepaids$11,621Not just lender fees.
Before credits & paid funds$351,909The complete starting cash picture.
Estimated remaining funds due at closing
$351,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$340,287.51
Your down payment$340,287.51
Closing costs + prepaids$11,621.11
Total buyer cash needed$351,908.63
Remaining funds due$351,908.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$184.50
Prepaid interest, first (1 days)$11.61
Fees + prepaids$11,621.11
Your down payment is the seller’s equity. You take over the $154,712 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $351,908.63 is due at closing. Uses and sources reconcile at $506,621.11 each. Not a Closing Disclosure.