Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$333,341Cash toward the purchase price.
Closing costs + prepaids$12,888Not just lender fees.
Before credits & paid funds$346,228The complete starting cash picture.
Estimated remaining funds due at closing
$346,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,340.69
Your down payment$333,340.69
Closing costs + prepaids$12,887.52
Total buyer cash needed$346,228.20
Remaining funds due$346,228.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$906.25
Prepaid interest, first (25 days)$516.27
Fees + prepaids$12,887.52
Your down payment is the seller’s equity. You take over the $165,659 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $346,228.20 is due at closing. Uses and sources reconcile at $511,887.52 each. Not a Closing Disclosure.