Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$320,111Cash toward the purchase price.
Closing costs + prepaids$13,551Not just lender fees.
Before credits & paid funds$333,662The complete starting cash picture.
Estimated remaining funds due at closing
$333,662No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$320,111.48
Your down payment$320,111.48
Closing costs + prepaids$13,550.55
Total buyer cash needed$333,662.03
Remaining funds due$333,662.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,550.00
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)$421.25
Prepaid interest, first (26 days)$1,104.30
Fees + prepaids$13,550.55
Your down payment is the seller’s equity. You take over the $234,889 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $333,662.03 is due at closing. Uses and sources reconcile at $568,550.55 each. Not a Closing Disclosure.