Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$323,731Cash toward the purchase price.
Closing costs + prepaids$10,767Not just lender fees.
Before credits & paid funds$334,498The complete starting cash picture.
Estimated remaining funds due at closing
$334,498No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,730.71
Your down payment$323,730.71
Closing costs + prepaids$10,767.35
Total buyer cash needed$334,498.06
Remaining funds due$334,498.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,980.00
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)$477.50
Prepaid interest, first (6 days)$84.85
Fees + prepaids$10,767.35
Your down payment is the seller’s equity. You take over the $74,269 balance, so the rest of the $398,000 price is paid at closing. A second mortgage can cover part of it. $334,498.06 is due at closing. Uses and sources reconcile at $408,767.35 each. Not a Closing Disclosure.