Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$327,639Cash toward the purchase price.
Closing costs + prepaids$12,020Not just lender fees.
Before credits & paid funds$339,659The complete starting cash picture.
Estimated remaining funds due at closing
$339,659No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,639.08
Your down payment$327,639.08
Closing costs + prepaids$12,020.38
Total buyer cash needed$339,659.46
Remaining funds due$339,659.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,740.00
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)$365.25
Prepaid interest, first (28 days)$440.13
Fees + prepaids$12,020.38
Your down payment is the seller’s equity. You take over the $146,361 balance, so the rest of the $474,000 price is paid at closing. A second mortgage can cover part of it. $339,659.46 is due at closing. Uses and sources reconcile at $486,020.38 each. Not a Closing Disclosure.