Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$323,342Cash toward the purchase price.
Closing costs + prepaids$11,082Not just lender fees.
Before credits & paid funds$334,424The complete starting cash picture.
Estimated remaining funds due at closing
$334,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,341.82
Your down payment$323,341.82
Closing costs + prepaids$11,082.26
Total buyer cash needed$334,424.07
Remaining funds due$334,424.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,250.00
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)$510.00
Prepaid interest, first (9 days)$97.26
Fees + prepaids$11,082.26
Your down payment is the seller’s equity. You take over the $101,658 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $334,424.07 is due at closing. Uses and sources reconcile at $436,082.26 each. Not a Closing Disclosure.