Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$341,774Cash toward the purchase price.
Closing costs + prepaids$9,926Not just lender fees.
Before credits & paid funds$351,701The complete starting cash picture.
Estimated remaining funds due at closing
$351,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$341,774.35
Your down payment$341,774.35
Closing costs + prepaids$9,926.23
Total buyer cash needed$351,700.58
Remaining funds due$351,700.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$170.75
Prepaid interest, first (20 days)$31.48
Fees + prepaids$9,926.23
Your down payment is the seller’s equity. You take over the $8,126 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $351,700.58 is due at closing. Uses and sources reconcile at $359,826.23 each. Not a Closing Disclosure.