Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$335,404Cash toward the purchase price.
Closing costs + prepaids$12,673Not just lender fees.
Before credits & paid funds$348,077The complete starting cash picture.
Estimated remaining funds due at closing
$348,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$335,403.56
Your down payment$335,403.56
Closing costs + prepaids$12,672.99
Total buyer cash needed$348,076.55
Remaining funds due$348,076.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,300.00
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)$541.00
Prepaid interest, first (18 days)$356.99
Fees + prepaids$12,672.99
Your down payment is the seller’s equity. You take over the $194,596 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $348,076.55 is due at closing. Uses and sources reconcile at $542,672.99 each. Not a Closing Disclosure.