Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$317,550Cash toward the purchase price.
Closing costs + prepaids$18,580Not just lender fees.
Before credits & paid funds$336,130The complete starting cash picture.
Estimated remaining funds due at closing
$336,130No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$317,550.10
Your down payment$317,550.10
Closing costs + prepaids$18,579.65
Total buyer cash needed$336,129.75
Remaining funds due$336,129.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,495.99
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)$2,124.00
Prepaid interest, first (18 days)$734.66
Fees + prepaids$18,579.65
Your down payment is the seller’s equity. You take over the $532,049 balance, so the rest of the $849,599 price is paid at closing. A second mortgage can cover part of it. $336,129.75 is due at closing. Uses and sources reconcile at $868,178.65 each. Not a Closing Disclosure.