Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$342,928Cash toward the purchase price.
Closing costs + prepaids$12,757Not just lender fees.
Before credits & paid funds$355,685The complete starting cash picture.
Estimated remaining funds due at closing
$355,685No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,927.72
Your down payment$342,927.72
Closing costs + prepaids$12,757.19
Total buyer cash needed$355,684.91
Remaining funds due$355,684.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,994.99
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)$870.25
Prepaid interest, first (27 days)$416.95
Fees + prepaids$12,757.19
Your down payment is the seller’s equity. You take over the $156,571 balance, so the rest of the $499,499 price is paid at closing. A second mortgage can cover part of it. $355,684.91 is due at closing. Uses and sources reconcile at $512,256.19 each. Not a Closing Disclosure.