Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$346,972Cash toward the purchase price.
Closing costs + prepaids$20,541Not just lender fees.
Before credits & paid funds$367,514The complete starting cash picture.
Estimated remaining funds due at closing
$367,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$346,972.50
Your down payment$346,972.50
Closing costs + prepaids$20,541.19
Total buyer cash needed$367,513.69
Remaining funds due$367,513.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,590.00
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)$2,397.50
Prepaid interest, first (28 days)$1,328.69
Fees + prepaids$20,541.19
Your down payment is the seller’s equity. You take over the $612,028 balance, so the rest of the $959,000 price is paid at closing. A second mortgage can cover part of it. $367,513.69 is due at closing. Uses and sources reconcile at $979,541.19 each. Not a Closing Disclosure.