Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$333,497Cash toward the purchase price.
Closing costs + prepaids$13,910Not just lender fees.
Before credits & paid funds$347,407The complete starting cash picture.
Estimated remaining funds due at closing
$347,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,496.84
Your down payment$333,496.84
Closing costs + prepaids$13,910.04
Total buyer cash needed$347,406.88
Remaining funds due$347,406.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,788.00
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)$1,119.00
Prepaid interest, first (27 days)$528.04
Fees + prepaids$13,910.04
Your down payment is the seller’s equity. You take over the $245,303 balance, so the rest of the $578,800 price is paid at closing. A second mortgage can cover part of it. $347,406.88 is due at closing. Uses and sources reconcile at $592,710.04 each. Not a Closing Disclosure.