Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$335,485Cash toward the purchase price.
Closing costs + prepaids$11,943Not just lender fees.
Before credits & paid funds$347,428The complete starting cash picture.
Estimated remaining funds due at closing
$347,428No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$335,484.89
Your down payment$335,484.89
Closing costs + prepaids$11,943.25
Total buyer cash needed$347,428.14
Remaining funds due$347,428.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,738.88
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)$568.75
Prepaid interest, first (12 days)$160.62
Fees + prepaids$11,943.25
Your down payment is the seller’s equity. You take over the $138,403 balance, so the rest of the $473,888 price is paid at closing. A second mortgage can cover part of it. $347,428.14 is due at closing. Uses and sources reconcile at $485,831.25 each. Not a Closing Disclosure.