Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$333,507Cash toward the purchase price.
Closing costs + prepaids$10,078Not just lender fees.
Before credits & paid funds$343,586The complete starting cash picture.
Estimated remaining funds due at closing
$343,586No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,507.39
Your down payment$333,507.39
Closing costs + prepaids$10,078.33
Total buyer cash needed$343,585.72
Remaining funds due$343,585.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,470.00
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)$337.75
Prepaid interest, first (19 days)$45.58
Fees + prepaids$10,078.33
Your down payment is the seller’s equity. You take over the $13,493 balance, so the rest of the $347,000 price is paid at closing. A second mortgage can cover part of it. $343,585.72 is due at closing. Uses and sources reconcile at $357,078.33 each. Not a Closing Disclosure.