Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$333,587Cash toward the purchase price.
Closing costs + prepaids$22,016Not just lender fees.
Before credits & paid funds$355,602The complete starting cash picture.
Estimated remaining funds due at closing
$355,602No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,586.69
Your down payment$333,586.69
Closing costs + prepaids$22,015.52
Total buyer cash needed$355,602.21
Remaining funds due$355,602.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,499.98
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)$2,375.00
Prepaid interest, first (26 days)$2,915.54
Fees + prepaids$22,015.52
Your down payment is the seller’s equity. You take over the $616,411 balance, so the rest of the $949,998 price is paid at closing. A second mortgage can cover part of it. $355,602.21 is due at closing. Uses and sources reconcile at $972,013.52 each. Not a Closing Disclosure.