Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$345,750Cash toward the purchase price.
Closing costs + prepaids$11,293Not just lender fees.
Before credits & paid funds$357,043The complete starting cash picture.
Estimated remaining funds due at closing
$357,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$345,750.13
Your down payment$345,750.13
Closing costs + prepaids$11,293.15
Total buyer cash needed$357,043.28
Remaining funds due$357,043.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$528.00
Prepaid interest, first (12 days)$141.15
Fees + prepaids$11,293.15
Your down payment is the seller’s equity. You take over the $94,150 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $357,043.28 is due at closing. Uses and sources reconcile at $451,193.15 each. Not a Closing Disclosure.