Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$326,587Cash toward the purchase price.
Closing costs + prepaids$10,454Not just lender fees.
Before credits & paid funds$337,041The complete starting cash picture.
Estimated remaining funds due at closing
$337,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,586.98
Your down payment$326,586.98
Closing costs + prepaids$10,453.80
Total buyer cash needed$337,040.78
Remaining funds due$337,040.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,349.99
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)$454.50
Initial HOA (3 months)$402.00
Prepaid interest, first (22 days)$22.31
Fees + prepaids$10,453.80
Your down payment is the seller’s equity. You take over the $8,412 balance, so the rest of the $334,999 price is paid at closing. A second mortgage can cover part of it. $337,040.78 is due at closing. Uses and sources reconcile at $345,452.80 each. Not a Closing Disclosure.