Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$338,303Cash toward the purchase price.
Closing costs + prepaids$12,629Not just lender fees.
Before credits & paid funds$350,932The complete starting cash picture.
Estimated remaining funds due at closing
$350,932No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$338,303.17
Your down payment$338,303.17
Closing costs + prepaids$12,629.06
Total buyer cash needed$350,932.23
Remaining funds due$350,932.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,300.00
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)$636.00
Prepaid interest, first (12 days)$218.06
Fees + prepaids$12,629.06
Your down payment is the seller’s equity. You take over the $191,697 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $350,932.23 is due at closing. Uses and sources reconcile at $542,629.06 each. Not a Closing Disclosure.