Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$334,445Cash toward the purchase price.
Closing costs + prepaids$13,149Not just lender fees.
Before credits & paid funds$347,594The complete starting cash picture.
Estimated remaining funds due at closing
$347,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,445.37
Your down payment$334,445.37
Closing costs + prepaids$13,148.94
Total buyer cash needed$347,594.31
Remaining funds due$347,594.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,800.00
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)$1,200.00
Prepaid interest, first (26 days)$673.94
Fees + prepaids$13,148.94
Your down payment is the seller’s equity. You take over the $145,555 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $347,594.31 is due at closing. Uses and sources reconcile at $493,148.94 each. Not a Closing Disclosure.