Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$326,936Cash toward the purchase price.
Closing costs + prepaids$9,925Not just lender fees.
Before credits & paid funds$336,860The complete starting cash picture.
Estimated remaining funds due at closing
$336,860No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,935.65
Your down payment$326,935.65
Closing costs + prepaids$9,924.72
Total buyer cash needed$336,860.36
Remaining funds due$336,860.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$396.00
Prepaid interest, first (10 days)$4.72
Fees + prepaids$9,924.72
Your down payment is the seller’s equity. You take over the $2,964 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $336,860.36 is due at closing. Uses and sources reconcile at $339,824.72 each. Not a Closing Disclosure.