Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$335,485Cash toward the purchase price.
Closing costs + prepaids$11,863Not just lender fees.
Before credits & paid funds$347,348The complete starting cash picture.
Estimated remaining funds due at closing
$347,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$335,484.89
Your down payment$335,484.89
Closing costs + prepaids$11,862.94
Total buyer cash needed$347,347.83
Remaining funds due$347,347.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,738.88
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)$568.75
Prepaid interest, first (6 days)$80.31
Fees + prepaids$11,862.94
Your down payment is the seller’s equity. You take over the $138,403 balance, so the rest of the $473,888 price is paid at closing. A second mortgage can cover part of it. $347,347.83 is due at closing. Uses and sources reconcile at $485,750.94 each. Not a Closing Disclosure.