Follow the dollars · Assumption only
A complete cash picture for Dec 29, 2026
Your down payment$331,405Cash toward the purchase price.
Closing costs + prepaids$12,532Not just lender fees.
Before credits & paid funds$343,937The complete starting cash picture.
Estimated remaining funds due at closing
$343,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,405.41
Your down payment$331,405.41
Closing costs + prepaids$12,531.99
Total buyer cash needed$343,937.40
Remaining funds due$343,937.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$1,221.50
Prepaid interest, first (3 days)$45.49
Fees + prepaids$12,531.99
Your down payment is the seller’s equity. You take over the $147,595 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $343,937.40 is due at closing. Uses and sources reconcile at $491,531.99 each. Not a Closing Disclosure.