Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$331,814Cash toward the purchase price.
Closing costs + prepaids$12,936Not just lender fees.
Before credits & paid funds$344,750The complete starting cash picture.
Estimated remaining funds due at closing
$344,750No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,814.01
Your down payment$331,814.01
Closing costs + prepaids$12,935.81
Total buyer cash needed$344,749.81
Remaining funds due$344,749.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,449.00
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)$654.00
Prepaid interest, first (9 days)$357.81
Fees + prepaids$12,935.81
Your down payment is the seller’s equity. You take over the $213,086 balance, so the rest of the $544,900 price is paid at closing. A second mortgage can cover part of it. $344,749.81 is due at closing. Uses and sources reconcile at $557,835.81 each. Not a Closing Disclosure.