Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$335,276Cash toward the purchase price.
Closing costs + prepaids$10,743Not just lender fees.
Before credits & paid funds$346,019The complete starting cash picture.
Estimated remaining funds due at closing
$346,019No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$335,275.65
Your down payment$335,275.65
Closing costs + prepaids$10,743.04
Total buyer cash needed$346,018.70
Remaining funds due$346,018.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.00
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)$362.50
Prepaid interest, first (1 days)$6.54
Fees + prepaids$10,743.04
Your down payment is the seller’s equity. You take over the $79,624 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $346,018.70 is due at closing. Uses and sources reconcile at $425,643.04 each. Not a Closing Disclosure.