Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$340,376Cash toward the purchase price.
Closing costs + prepaids$10,794Not just lender fees.
Before credits & paid funds$351,170The complete starting cash picture.
Estimated remaining funds due at closing
$351,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$340,375.65
Your down payment$340,375.65
Closing costs + prepaids$10,794.04
Total buyer cash needed$351,169.70
Remaining funds due$351,169.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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$10,794.04
Your down payment is the seller’s equity. You take over the $79,624 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $351,169.70 is due at closing. Uses and sources reconcile at $430,794.04 each. Not a Closing Disclosure.