Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$322,427Cash toward the purchase price.
Closing costs + prepaids$14,973Not just lender fees.
Before credits & paid funds$337,400The complete starting cash picture.
Estimated remaining funds due at closing
$337,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$322,427.13
Your down payment$322,427.13
Closing costs + prepaids$14,972.78
Total buyer cash needed$337,399.91
Remaining funds due$337,399.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,360.00
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)$1,545.00
Prepaid interest, first (23 days)$592.78
Fees + prepaids$14,972.78
Your down payment is the seller’s equity. You take over the $313,573 balance, so the rest of the $636,000 price is paid at closing. A second mortgage can cover part of it. $337,399.91 is due at closing. Uses and sources reconcile at $650,972.78 each. Not a Closing Disclosure.