Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$337,317Cash toward the purchase price.
Closing costs + prepaids$19,848Not just lender fees.
Before credits & paid funds$357,164The complete starting cash picture.
Estimated remaining funds due at closing
$357,164No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$337,316.60
Your down payment$337,316.60
Closing costs + prepaids$19,847.62
Total buyer cash needed$357,164.22
Remaining funds due$357,164.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,150.00
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)$2,287.50
Prepaid interest, first (26 days)$1,185.12
Fees + prepaids$19,847.62
Your down payment is the seller’s equity. You take over the $577,683 balance, so the rest of the $915,000 price is paid at closing. A second mortgage can cover part of it. $357,164.22 is due at closing. Uses and sources reconcile at $934,847.62 each. Not a Closing Disclosure.