Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$354,626Cash toward the purchase price.
Closing costs + prepaids$11,835Not just lender fees.
Before credits & paid funds$366,461The complete starting cash picture.
Estimated remaining funds due at closing
$366,461No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$354,626.25
Your down payment$354,626.25
Closing costs + prepaids$11,834.92
Total buyer cash needed$366,461.17
Remaining funds due$366,461.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,580.00
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)$549.50
Prepaid interest, first (12 days)$230.42
Fees + prepaids$11,834.92
Your down payment is the seller’s equity. You take over the $103,374 balance, so the rest of the $458,000 price is paid at closing. A second mortgage can cover part of it. $366,461.17 is due at closing. Uses and sources reconcile at $469,834.92 each. Not a Closing Disclosure.