Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$330,306Cash toward the purchase price.
Closing costs + prepaids$16,553Not just lender fees.
Before credits & paid funds$346,859The complete starting cash picture.
Estimated remaining funds due at closing
$346,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,306.17
Your down payment$330,306.17
Closing costs + prepaids$16,552.65
Total buyer cash needed$346,858.82
Remaining funds due$346,858.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,449.00
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)$1,753.25
Prepaid interest, first (2 days)$125.40
Fees + prepaids$16,552.65
Your down payment is the seller’s equity. You take over the $414,594 balance, so the rest of the $744,900 price is paid at closing. A second mortgage can cover part of it. $346,858.82 is due at closing. Uses and sources reconcile at $761,452.65 each. Not a Closing Disclosure.