Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$326,100Cash toward the purchase price.
Closing costs + prepaids$10,422Not just lender fees.
Before credits & paid funds$336,522The complete starting cash picture.
Estimated remaining funds due at closing
$336,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,100.23
Your down payment$326,100.23
Closing costs + prepaids$10,421.72
Total buyer cash needed$336,521.95
Remaining funds due$336,521.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,340.00
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)$816.75
Prepaid interest, first (27 days)$39.97
Fees + prepaids$10,421.72
Your down payment is the seller’s equity. You take over the $7,900 balance, so the rest of the $334,000 price is paid at closing. A second mortgage can cover part of it. $336,521.95 is due at closing. Uses and sources reconcile at $344,421.72 each. Not a Closing Disclosure.