Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$347,296Cash toward the purchase price.
Closing costs + prepaids$31,321Not just lender fees.
Before credits & paid funds$378,617The complete starting cash picture.
Estimated remaining funds due at closing
$378,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$347,296.17
Your down payment$347,296.17
Closing costs + prepaids$31,321.33
Total buyer cash needed$378,617.50
Remaining funds due$378,617.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$14,590.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,647.50
Prepaid interest, first (28 days)$5,858.83
Fees + prepaids$31,321.33
Your down payment is the seller’s equity. You take over the $1,111,704 balance, so the rest of the $1,459,000 price is paid at closing. A second mortgage can cover part of it. $378,617.50 is due at closing. Uses and sources reconcile at $1,490,321.33 each. Not a Closing Disclosure.