Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$342,537Cash toward the purchase price.
Closing costs + prepaids$23,983Not just lender fees.
Before credits & paid funds$366,520The complete starting cash picture.
Estimated remaining funds due at closing
$366,520No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,537.12
Your down payment$342,537.12
Closing costs + prepaids$23,983.24
Total buyer cash needed$366,520.36
Remaining funds due$366,520.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$12,890.00
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)$1,611.25
Prepaid interest, first (17 days)$2,256.99
Fees + prepaids$23,983.24
Your down payment is the seller’s equity. You take over the $946,463 balance, so the rest of the $1,289,000 price is paid at closing. A second mortgage can cover part of it. $366,520.36 is due at closing. Uses and sources reconcile at $1,312,983.24 each. Not a Closing Disclosure.