Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$321,320Cash toward the purchase price.
Closing costs + prepaids$19,410Not just lender fees.
Before credits & paid funds$340,730The complete starting cash picture.
Estimated remaining funds due at closing
$340,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$321,320.02
Your down payment$321,320.02
Closing costs + prepaids$19,410.40
Total buyer cash needed$340,730.42
Remaining funds due$340,730.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,500.00
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)$2,125.00
Prepaid interest, first (27 days)$1,560.40
Fees + prepaids$19,410.40
Your down payment is the seller’s equity. You take over the $528,680 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $340,730.42 is due at closing. Uses and sources reconcile at $869,410.40 each. Not a Closing Disclosure.