Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$341,774Cash toward the purchase price.
Closing costs + prepaids$9,940Not just lender fees.
Before credits & paid funds$351,715The complete starting cash picture.
Estimated remaining funds due at closing
$351,715No 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$9,940.39
Total buyer cash needed$351,714.74
Remaining funds due$351,714.74
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 (29 days)$45.64
Fees + prepaids$9,940.39
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. $351,714.74 is due at closing. Uses and sources reconcile at $359,840.39 each. Not a Closing Disclosure.