Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$341,488Cash toward the purchase price.
Closing costs + prepaids$13,962Not just lender fees.
Before credits & paid funds$355,450The complete starting cash picture.
Estimated remaining funds due at closing
$355,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$341,487.80
Your down payment$341,487.80
Closing costs + prepaids$13,961.94
Total buyer cash needed$355,449.74
Remaining funds due$355,449.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,249.00
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)$1,748.00
Prepaid interest, first (26 days)$489.94
Fees + prepaids$13,961.94
Your down payment is the seller’s equity. You take over the $183,412 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $355,449.74 is due at closing. Uses and sources reconcile at $538,861.94 each. Not a Closing Disclosure.