Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$332,875Cash toward the purchase price.
Closing costs + prepaids$10,985Not just lender fees.
Before credits & paid funds$343,860The complete starting cash picture.
Estimated remaining funds due at closing
$343,860No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,874.88
Your down payment$332,874.88
Closing costs + prepaids$10,985.12
Total buyer cash needed$343,860.01
Remaining funds due$343,860.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$1,333.50
Prepaid interest, first (31 days)$36.62
Fees + prepaids$10,985.12
Your down payment is the seller’s equity. You take over the $6,125 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $343,860.01 is due at closing. Uses and sources reconcile at $349,985.12 each. Not a Closing Disclosure.