Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$332,117Cash toward the purchase price.
Closing costs + prepaids$17,098Not just lender fees.
Before credits & paid funds$349,215The complete starting cash picture.
Estimated remaining funds due at closing
$349,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,116.91
Your down payment$332,116.91
Closing costs + prepaids$17,097.79
Total buyer cash needed$349,214.70
Remaining funds due$349,214.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,350.00
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)$1,002.00
Prepaid interest, first (12 days)$520.79
Fees + prepaids$17,097.79
Your down payment is the seller’s equity. You take over the $502,883 balance, so the rest of the $835,000 price is paid at closing. A second mortgage can cover part of it. $349,214.70 is due at closing. Uses and sources reconcile at $852,097.79 each. Not a Closing Disclosure.