Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$321,638Cash toward the purchase price.
Closing costs + prepaids$22,047Not just lender fees.
Before credits & paid funds$343,685The complete starting cash picture.
Estimated remaining funds due at closing
$343,685No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$321,637.74
Your down payment$321,637.74
Closing costs + prepaids$22,047.09
Total buyer cash needed$343,684.83
Remaining funds due$343,684.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,149.99
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)$2,287.50
Prepaid interest, first (30 days)$3,384.60
Fees + prepaids$22,047.09
Your down payment is the seller’s equity. You take over the $593,361 balance, so the rest of the $914,999 price is paid at closing. A second mortgage can cover part of it. $343,684.83 is due at closing. Uses and sources reconcile at $937,046.09 each. Not a Closing Disclosure.