Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$319,254Cash toward the purchase price.
Closing costs + prepaids$10,367Not just lender fees.
Before credits & paid funds$329,621The complete starting cash picture.
Estimated remaining funds due at closing
$329,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$319,253.73
Your down payment$319,253.73
Closing costs + prepaids$10,367.35
Total buyer cash needed$329,621.08
Remaining funds due$329,621.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$712.75
Prepaid interest, first (24 days)$39.60
Fees + prepaids$10,367.35
Your down payment is the seller’s equity. You take over the $19,746 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $329,621.08 is due at closing. Uses and sources reconcile at $349,367.35 each. Not a Closing Disclosure.