Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$321,538Cash toward the purchase price.
Closing costs + prepaids$12,413Not just lender fees.
Before credits & paid funds$333,950The complete starting cash picture.
Estimated remaining funds due at closing
$333,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$321,537.75
Your down payment$321,537.75
Closing costs + prepaids$12,412.72
Total buyer cash needed$333,950.47
Remaining funds due$333,950.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,890.00
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)$631.50
Prepaid interest, first (24 days)$416.22
Fees + prepaids$12,412.72
Your down payment is the seller’s equity. You take over the $167,462 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $333,950.47 is due at closing. Uses and sources reconcile at $501,412.72 each. Not a Closing Disclosure.