Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$326,936Cash toward the purchase price.
Closing costs + prepaids$9,661Not just lender fees.
Before credits & paid funds$336,596The complete starting cash picture.
Estimated remaining funds due at closing
$336,596No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,935.65
Your down payment$326,935.65
Closing costs + prepaids$9,660.74
Total buyer cash needed$336,596.39
Remaining funds due$336,596.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$124.00
Prepaid interest, first (27 days)$12.74
Fees + prepaids$9,660.74
Your down payment is the seller’s equity. You take over the $2,964 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $336,596.39 is due at closing. Uses and sources reconcile at $339,560.74 each. Not a Closing Disclosure.