Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$330,182Cash toward the purchase price.
Closing costs + prepaids$19,414Not just lender fees.
Before credits & paid funds$349,596The complete starting cash picture.
Estimated remaining funds due at closing
$349,596No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,181.78
Your down payment$330,181.78
Closing costs + prepaids$19,413.86
Total buyer cash needed$349,595.64
Remaining funds due$349,595.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,850.00
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)$2,212.50
Prepaid interest, first (26 days)$1,126.36
Fees + prepaids$19,413.86
Your down payment is the seller’s equity. You take over the $554,818 balance, so the rest of the $885,000 price is paid at closing. A second mortgage can cover part of it. $349,595.64 is due at closing. Uses and sources reconcile at $904,413.86 each. Not a Closing Disclosure.