Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$354,626Cash toward the purchase price.
Closing costs + prepaids$11,720Not just lender fees.
Before credits & paid funds$366,346The complete starting cash picture.
Estimated remaining funds due at closing
$366,346No 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$11,719.71
Total buyer cash needed$366,345.96
Remaining funds due$366,345.96
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 (6 days)$115.21
Fees + prepaids$11,719.71
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. $366,345.96 is due at closing. Uses and sources reconcile at $469,719.71 each. Not a Closing Disclosure.