Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$349,507Cash toward the purchase price.
Closing costs + prepaids$11,694Not just lender fees.
Before credits & paid funds$361,201The complete starting cash picture.
Estimated remaining funds due at closing
$361,201No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,507.40
Your down payment$349,507.40
Closing costs + prepaids$11,693.52
Total buyer cash needed$361,200.92
Remaining funds due$361,200.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$546.00
Prepaid interest, first (9 days)$122.52
Fees + prepaids$11,693.52
Your down payment is the seller’s equity. You take over the $105,493 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $361,200.92 is due at closing. Uses and sources reconcile at $466,693.52 each. Not a Closing Disclosure.