Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$337,151Cash toward the purchase price.
Closing costs + prepaids$13,474Not just lender fees.
Before credits & paid funds$350,626The complete starting cash picture.
Estimated remaining funds due at closing
$350,626No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$337,151.18
Your down payment$337,151.18
Closing costs + prepaids$13,474.35
Total buyer cash needed$350,625.53
Remaining funds due$350,625.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$1,300.00
Prepaid interest, first (28 days)$499.35
Fees + prepaids$13,474.35
Your down payment is the seller’s equity. You take over the $182,849 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $350,625.53 is due at closing. Uses and sources reconcile at $533,474.35 each. Not a Closing Disclosure.