Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$311,309Cash toward the purchase price.
Closing costs + prepaids$17,069Not just lender fees.
Before credits & paid funds$328,378The complete starting cash picture.
Estimated remaining funds due at closing
$328,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,309.24
Your down payment$311,309.24
Closing costs + prepaids$17,068.58
Total buyer cash needed$328,377.82
Remaining funds due$328,377.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,350.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,837.50
Prepaid interest, first (18 days)$656.08
Fees + prepaids$17,068.58
Your down payment is the seller’s equity. You take over the $423,691 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $328,377.82 is due at closing. Uses and sources reconcile at $752,068.58 each. Not a Closing Disclosure.