Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$332,204Cash toward the purchase price.
Closing costs + prepaids$12,507Not just lender fees.
Before credits & paid funds$344,711The complete starting cash picture.
Estimated remaining funds due at closing
$344,711No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,204.21
Your down payment$332,204.21
Closing costs + prepaids$12,506.54
Total buyer cash needed$344,710.74
Remaining funds due$344,710.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$281.50
Prepaid interest, first (20 days)$400.04
Fees + prepaids$12,506.54
Your down payment is the seller’s equity. You take over the $202,796 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $344,710.74 is due at closing. Uses and sources reconcile at $547,506.54 each. Not a Closing Disclosure.