Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$341,808Cash toward the purchase price.
Closing costs + prepaids$15,710Not just lender fees.
Before credits & paid funds$357,518The complete starting cash picture.
Estimated remaining funds due at closing
$357,518No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$341,808.33
Your down payment$341,808.33
Closing costs + prepaids$15,709.54
Total buyer cash needed$357,517.87
Remaining funds due$357,517.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,645.00
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)$1,661.25
Prepaid interest, first (28 days)$928.29
Fees + prepaids$15,709.54
Your down payment is the seller’s equity. You take over the $322,692 balance, so the rest of the $664,500 price is paid at closing. A second mortgage can cover part of it. $357,517.87 is due at closing. Uses and sources reconcile at $680,209.54 each. Not a Closing Disclosure.