Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$337,775Cash toward the purchase price.
Closing costs + prepaids$14,696Not just lender fees.
Before credits & paid funds$352,471The complete starting cash picture.
Estimated remaining funds due at closing
$352,471No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$337,775.25
Your down payment$337,775.25
Closing costs + prepaids$14,695.55
Total buyer cash needed$352,470.80
Remaining funds due$352,470.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,100.00
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)$1,420.00
Prepaid interest, first (31 days)$700.55
Fees + prepaids$14,695.55
Your down payment is the seller’s equity. You take over the $272,225 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $352,470.80 is due at closing. Uses and sources reconcile at $624,695.55 each. Not a Closing Disclosure.