Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$323,391Cash toward the purchase price.
Closing costs + prepaids$22,635Not just lender fees.
Before credits & paid funds$346,026The complete starting cash picture.
Estimated remaining funds due at closing
$346,026No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,390.63
Your down payment$323,390.63
Closing costs + prepaids$22,635.49
Total buyer cash needed$346,026.12
Remaining funds due$346,026.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,450.00
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)$2,362.50
Initial HOA (3 months)$126.00
Prepaid interest, first (29 days)$3,471.99
Fees + prepaids$22,635.49
Your down payment is the seller’s equity. You take over the $621,609 balance, so the rest of the $945,000 price is paid at closing. A second mortgage can cover part of it. $346,026.12 is due at closing. Uses and sources reconcile at $967,635.49 each. Not a Closing Disclosure.