Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$322,427Cash toward the purchase price.
Closing costs + prepaids$15,153Not just lender fees.
Before credits & paid funds$337,580The complete starting cash picture.
Estimated remaining funds due at closing
$337,580No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$322,427.13
Your down payment$322,427.13
Closing costs + prepaids$15,153.19
Total buyer cash needed$337,580.33
Remaining funds due$337,580.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,360.00
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)$1,545.00
Prepaid interest, first (30 days)$773.19
Fees + prepaids$15,153.19
Your down payment is the seller’s equity. You take over the $313,573 balance, so the rest of the $636,000 price is paid at closing. A second mortgage can cover part of it. $337,580.33 is due at closing. Uses and sources reconcile at $651,153.19 each. Not a Closing Disclosure.