Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$340,276Cash toward the purchase price.
Closing costs + prepaids$10,800Not just lender fees.
Before credits & paid funds$351,075The complete starting cash picture.
Estimated remaining funds due at closing
$351,075No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$340,275.65
Your down payment$340,275.65
Closing costs + prepaids$10,799.59
Total buyer cash needed$351,075.24
Remaining funds due$351,075.24
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)$362.50
Prepaid interest, first (2 days)$13.09
Fees + prepaids$10,799.59
Your down payment is the seller’s equity. You take over the $79,624 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $351,075.24 is due at closing. Uses and sources reconcile at $430,699.59 each. Not a Closing Disclosure.