Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$327,200Cash toward the purchase price.
Closing costs + prepaids$11,280Not just lender fees.
Before credits & paid funds$338,480The complete starting cash picture.
Estimated remaining funds due at closing
$338,480No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,199.91
Your down payment$327,199.91
Closing costs + prepaids$11,280.16
Total buyer cash needed$338,480.07
Remaining funds due$338,480.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,405.99
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)$528.75
Prepaid interest, first (12 days)$120.42
Fees + prepaids$11,280.16
Your down payment is the seller’s equity. You take over the $113,399 balance, so the rest of the $440,599 price is paid at closing. A second mortgage can cover part of it. $338,480.07 is due at closing. Uses and sources reconcile at $451,879.16 each. Not a Closing Disclosure.