Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$317,364Cash toward the purchase price.
Closing costs + prepaids$10,170Not just lender fees.
Before credits & paid funds$327,535The complete starting cash picture.
Estimated remaining funds due at closing
$327,535No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$317,364.28
Your down payment$317,364.28
Closing costs + prepaids$10,170.46
Total buyer cash needed$327,534.74
Remaining funds due$327,534.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,450.00
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)$449.00
Prepaid interest, first (26 days)$46.46
Fees + prepaids$10,170.46
Your down payment is the seller’s equity. You take over the $27,636 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $327,534.74 is due at closing. Uses and sources reconcile at $355,170.46 each. Not a Closing Disclosure.