Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$328,230Cash toward the purchase price.
Closing costs + prepaids$11,887Not just lender fees.
Before credits & paid funds$340,117The complete starting cash picture.
Estimated remaining funds due at closing
$340,117No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,230.14
Your down payment$328,230.14
Closing costs + prepaids$11,887.08
Total buyer cash needed$340,117.22
Remaining funds due$340,117.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,900.00
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)$166.25
Prepaid interest, first (27 days)$345.83
Fees + prepaids$11,887.08
Your down payment is the seller’s equity. You take over the $161,770 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $340,117.22 is due at closing. Uses and sources reconcile at $501,887.08 each. Not a Closing Disclosure.