Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$336,040Cash toward the purchase price.
Closing costs + prepaids$10,573Not just lender fees.
Before credits & paid funds$346,613The complete starting cash picture.
Estimated remaining funds due at closing
$346,613No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$336,039.76
Your down payment$336,039.76
Closing costs + prepaids$10,573.19
Total buyer cash needed$346,612.95
Remaining funds due$346,612.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$241.00
Prepaid interest, first (1 days)$7.19
Fees + prepaids$10,573.19
Your down payment is the seller’s equity. You take over the $73,960 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $346,612.95 is due at closing. Uses and sources reconcile at $420,573.19 each. Not a Closing Disclosure.