Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$306,666Cash toward the purchase price.
Closing costs + prepaids$14,309Not just lender fees.
Before credits & paid funds$320,975The complete starting cash picture.
Estimated remaining funds due at closing
$320,975No 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$14,308.96
Total buyer cash needed$320,975.14
Remaining funds due$320,975.14
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)$487.25
Prepaid interest, first (28 days)$866.71
Fees + prepaids$14,308.96
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. $320,975.14 is due at closing. Uses and sources reconcile at $662,308.96 each. Not a Closing Disclosure.