Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$331,021Cash toward the purchase price.
Closing costs + prepaids$11,258Not just lender fees.
Before credits & paid funds$342,279The complete starting cash picture.
Estimated remaining funds due at closing
$342,279No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,020.82
Your down payment$331,020.82
Closing costs + prepaids$11,257.77
Total buyer cash needed$342,278.59
Remaining funds due$342,278.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$543.75
Prepaid interest, first (16 days)$139.02
Fees + prepaids$11,257.77
Your down payment is the seller’s equity. You take over the $103,979 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $342,278.59 is due at closing. Uses and sources reconcile at $446,257.77 each. Not a Closing Disclosure.