Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$349,507Cash toward the purchase price.
Closing costs + prepaids$11,816Not just lender fees.
Before credits & paid funds$361,323The complete starting cash picture.
Estimated remaining funds due at closing
$361,323No 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$11,815.51
Total buyer cash needed$361,322.91
Remaining funds due$361,322.91
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)$518.25
Prepaid interest, first (20 days)$272.26
Fees + prepaids$11,815.51
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. $361,322.91 is due at closing. Uses and sources reconcile at $466,815.51 each. Not a Closing Disclosure.