Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$325,981Cash toward the purchase price.
Closing costs + prepaids$10,635Not just lender fees.
Before credits & paid funds$336,615The complete starting cash picture.
Estimated remaining funds due at closing
$336,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,980.68
Your down payment$325,980.68
Closing costs + prepaids$10,634.79
Total buyer cash needed$336,615.47
Remaining funds due$336,615.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,890.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$466.75
Prepaid interest, first (6 days)$53.04
Fees + prepaids$10,634.79
Your down payment is the seller’s equity. You take over the $63,019 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $336,615.47 is due at closing. Uses and sources reconcile at $399,634.79 each. Not a Closing Disclosure.