Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$334,654Cash toward the purchase price.
Closing costs + prepaids$13,400Not just lender fees.
Before credits & paid funds$348,054The complete starting cash picture.
Estimated remaining funds due at closing
$348,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,653.98
Your down payment$334,653.98
Closing costs + prepaids$13,399.90
Total buyer cash needed$348,053.89
Remaining funds due$348,053.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,449.00
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)$1,389.50
Prepaid interest, first (4 days)$86.40
Fees + prepaids$13,399.90
Your down payment is the seller’s equity. You take over the $210,246 balance, so the rest of the $544,900 price is paid at closing. A second mortgage can cover part of it. $348,053.89 is due at closing. Uses and sources reconcile at $558,299.90 each. Not a Closing Disclosure.