Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$339,663Cash toward the purchase price.
Closing costs + prepaids$12,674Not just lender fees.
Before credits & paid funds$352,337The complete starting cash picture.
Estimated remaining funds due at closing
$352,337No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$339,663.15
Your down payment$339,663.15
Closing costs + prepaids$12,674.12
Total buyer cash needed$352,337.27
Remaining funds due$352,337.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$1,162.50
Prepaid interest, first (27 days)$386.62
Fees + prepaids$12,674.12
Your down payment is the seller’s equity. You take over the $125,337 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $352,337.27 is due at closing. Uses and sources reconcile at $477,674.12 each. Not a Closing Disclosure.