Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$342,951Cash toward the purchase price.
Closing costs + prepaids$18,482Not just lender fees.
Before credits & paid funds$361,433The complete starting cash picture.
Estimated remaining funds due at closing
$361,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,950.54
Your down payment$342,950.54
Closing costs + prepaids$18,482.02
Total buyer cash needed$361,432.56
Remaining funds due$361,432.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,078.75
Prepaid interest, first (12 days)$1,188.27
Fees + prepaids$18,482.02
Your down payment is the seller’s equity. You take over the $556,049 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $361,432.56 is due at closing. Uses and sources reconcile at $917,482.02 each. Not a Closing Disclosure.