Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$313,420Cash toward the purchase price.
Closing costs + prepaids$11,301Not just lender fees.
Before credits & paid funds$324,720The complete starting cash picture.
Estimated remaining funds due at closing
$324,720No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,419.62
Your down payment$313,419.62
Closing costs + prepaids$11,300.73
Total buyer cash needed$324,720.35
Remaining funds due$324,720.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$421.75
Prepaid interest, first (27 days)$303.98
Fees + prepaids$11,300.73
Your down payment is the seller’s equity. You take over the $121,580 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $324,720.35 is due at closing. Uses and sources reconcile at $446,300.73 each. Not a Closing Disclosure.