Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$327,960Cash toward the purchase price.
Closing costs + prepaids$11,986Not just lender fees.
Before credits & paid funds$339,947The complete starting cash picture.
Estimated remaining funds due at closing
$339,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,960.34
Your down payment$327,960.34
Closing costs + prepaids$11,986.33
Total buyer cash needed$339,946.67
Remaining funds due$339,946.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$823.00
Prepaid interest, first (30 days)$438.34
Fees + prepaids$11,986.33
Your down payment is the seller’s equity. You take over the $122,039 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $339,946.67 is due at closing. Uses and sources reconcile at $461,985.33 each. Not a Closing Disclosure.