Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$306,666Cash toward the purchase price.
Closing costs + prepaids$14,104Not just lender fees.
Before credits & paid funds$320,770The complete starting cash picture.
Estimated remaining funds due at closing
$320,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,666.18
Your down payment$306,666.18
Closing costs + prepaids$14,103.95
Total buyer cash needed$320,770.13
Remaining funds due$320,770.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,480.00
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)$777.50
Prepaid interest, first (12 days)$371.45
Fees + prepaids$14,103.95
Your down payment is the seller’s equity. You take over the $341,334 balance, so the rest of the $648,000 price is paid at closing. A second mortgage can cover part of it. $320,770.13 is due at closing. Uses and sources reconcile at $662,103.95 each. Not a Closing Disclosure.