Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$334,568Cash toward the purchase price.
Closing costs + prepaids$13,094Not just lender fees.
Before credits & paid funds$347,662The complete starting cash picture.
Estimated remaining funds due at closing
$347,662No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,568.05
Your down payment$334,568.05
Closing costs + prepaids$13,093.62
Total buyer cash needed$347,661.67
Remaining funds due$347,661.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.99
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)$1,225.00
Prepaid interest, first (28 days)$493.63
Fees + prepaids$13,093.62
Your down payment is the seller’s equity. You take over the $155,431 balance, so the rest of the $489,999 price is paid at closing. A second mortgage can cover part of it. $347,661.67 is due at closing. Uses and sources reconcile at $503,092.62 each. Not a Closing Disclosure.