Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$328,574Cash toward the purchase price.
Closing costs + prepaids$21,201Not just lender fees.
Before credits & paid funds$349,775The complete starting cash picture.
Estimated remaining funds due at closing
$349,775No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,574.02
Your down payment$328,574.02
Closing costs + prepaids$21,201.04
Total buyer cash needed$349,775.06
Remaining funds due$349,775.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,995.00
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)$2,498.75
Prepaid interest, first (28 days)$1,482.29
Fees + prepaids$21,201.04
Your down payment is the seller’s equity. You take over the $670,926 balance, so the rest of the $999,500 price is paid at closing. A second mortgage can cover part of it. $349,775.06 is due at closing. Uses and sources reconcile at $1,020,701.04 each. Not a Closing Disclosure.