Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$348,269Cash toward the purchase price.
Closing costs + prepaids$19,836Not just lender fees.
Before credits & paid funds$368,105The complete starting cash picture.
Estimated remaining funds due at closing
$368,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$348,269.38
Your down payment$348,269.38
Closing costs + prepaids$19,835.67
Total buyer cash needed$368,105.05
Remaining funds due$368,105.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,490.00
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)$691.25
Prepaid interest, first (29 days)$2,429.42
Fees + prepaids$19,835.67
Your down payment is the seller’s equity. You take over the $600,731 balance, so the rest of the $949,000 price is paid at closing. A second mortgage can cover part of it. $368,105.05 is due at closing. Uses and sources reconcile at $968,835.67 each. Not a Closing Disclosure.