Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$322,437Cash toward the purchase price.
Closing costs + prepaids$12,614Not just lender fees.
Before credits & paid funds$335,052The complete starting cash picture.
Estimated remaining funds due at closing
$335,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$322,437.17
Your down payment$322,437.17
Closing costs + prepaids$12,614.39
Total buyer cash needed$335,051.56
Remaining funds due$335,051.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.00
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)$905.75
Prepaid interest, first (31 days)$434.64
Fees + prepaids$12,614.39
Your down payment is the seller’s equity. You take over the $157,463 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $335,051.56 is due at closing. Uses and sources reconcile at $492,514.39 each. Not a Closing Disclosure.