Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$332,898Cash toward the purchase price.
Closing costs + prepaids$10,807Not just lender fees.
Before credits & paid funds$343,705The complete starting cash picture.
Estimated remaining funds due at closing
$343,705No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,897.75
Your down payment$332,897.75
Closing costs + prepaids$10,807.16
Total buyer cash needed$343,704.90
Remaining funds due$343,704.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$996.50
Prepaid interest, first (27 days)$86.66
Fees + prepaids$10,807.16
Your down payment is the seller’s equity. You take over the $17,002 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $343,704.90 is due at closing. Uses and sources reconcile at $360,707.16 each. Not a Closing Disclosure.