Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$298,172Cash toward the purchase price.
Closing costs + prepaids$21,836Not just lender fees.
Before credits & paid funds$320,007The complete starting cash picture.
Estimated remaining funds due at closing
$320,007No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$298,171.57
Your down payment$298,171.57
Closing costs + prepaids$21,835.67
Total buyer cash needed$320,007.24
Remaining funds due$320,007.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,349.00
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)$2,337.25
Prepaid interest, first (22 days)$2,924.42
Fees + prepaids$21,835.67
Your down payment is the seller’s equity. You take over the $636,728 balance, so the rest of the $934,900 price is paid at closing. A second mortgage can cover part of it. $320,007.24 is due at closing. Uses and sources reconcile at $956,735.67 each. Not a Closing Disclosure.