Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$332,204Cash toward the purchase price.
Closing costs + prepaids$12,667Not just lender fees.
Before credits & paid funds$344,871The complete starting cash picture.
Estimated remaining funds due at closing
$344,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,204.21
Your down payment$332,204.21
Closing costs + prepaids$12,667.02
Total buyer cash needed$344,871.22
Remaining funds due$344,871.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$642.00
Prepaid interest, first (10 days)$200.02
Fees + prepaids$12,667.02
Your down payment is the seller’s equity. You take over the $202,796 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $344,871.22 is due at closing. Uses and sources reconcile at $547,667.02 each. Not a Closing Disclosure.