Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$334,445Cash toward the purchase price.
Closing costs + prepaids$10,229Not just lender fees.
Before credits & paid funds$344,674The complete starting cash picture.
Estimated remaining funds due at closing
$344,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,444.50
Your down payment$334,444.50
Closing costs + prepaids$10,229.07
Total buyer cash needed$344,673.58
Remaining funds due$344,673.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,545.00
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)$425.50
Prepaid interest, first (10 days)$33.57
Fees + prepaids$10,229.07
Your down payment is the seller’s equity. You take over the $20,055 balance, so the rest of the $354,500 price is paid at closing. A second mortgage can cover part of it. $344,673.58 is due at closing. Uses and sources reconcile at $364,729.07 each. Not a Closing Disclosure.