Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$332,875Cash toward the purchase price.
Closing costs + prepaids$10,976Not just lender fees.
Before credits & paid funds$343,851The complete starting cash picture.
Estimated remaining funds due at closing
$343,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,874.88
Your down payment$332,874.88
Closing costs + prepaids$10,975.67
Total buyer cash needed$343,850.56
Remaining funds due$343,850.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$1,333.50
Prepaid interest, first (23 days)$27.17
Fees + prepaids$10,975.67
Your down payment is the seller’s equity. You take over the $6,125 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $343,850.56 is due at closing. Uses and sources reconcile at $349,975.67 each. Not a Closing Disclosure.