Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$336,326Cash toward the purchase price.
Closing costs + prepaids$10,716Not just lender fees.
Before credits & paid funds$347,043The complete starting cash picture.
Estimated remaining funds due at closing
$347,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$336,326.42
Your down payment$336,326.42
Closing costs + prepaids$10,716.48
Total buyer cash needed$347,042.90
Remaining funds due$347,042.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$241.00
Prepaid interest, first (21 days)$150.48
Fees + prepaids$10,716.48
Your down payment is the seller’s equity. You take over the $73,674 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $347,042.90 is due at closing. Uses and sources reconcile at $420,716.48 each. Not a Closing Disclosure.