Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$330,770Cash toward the purchase price.
Closing costs + prepaids$12,096Not just lender fees.
Before credits & paid funds$342,866The complete starting cash picture.
Estimated remaining funds due at closing
$342,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,770.11
Your down payment$330,770.11
Closing costs + prepaids$12,095.74
Total buyer cash needed$342,865.85
Remaining funds due$342,865.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.00
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)$593.75
Prepaid interest, first (16 days)$277.99
Fees + prepaids$12,095.74
Your down payment is the seller’s equity. You take over the $144,130 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $342,865.85 is due at closing. Uses and sources reconcile at $486,995.74 each. Not a Closing Disclosure.