Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$326,568Cash toward the purchase price.
Closing costs + prepaids$10,680Not just lender fees.
Before credits & paid funds$337,248The complete starting cash picture.
Estimated remaining funds due at closing
$337,248No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,568.31
Your down payment$326,568.31
Closing costs + prepaids$10,679.66
Total buyer cash needed$337,247.96
Remaining funds due$337,247.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$230.75
Prepaid interest, first (2 days)$24.91
Fees + prepaids$10,679.66
Your down payment is the seller’s equity. You take over the $93,332 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $337,247.96 is due at closing. Uses and sources reconcile at $430,579.66 each. Not a Closing Disclosure.