Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$331,814Cash toward the purchase price.
Closing costs + prepaids$13,317Not just lender fees.
Before credits & paid funds$345,131The complete starting cash picture.
Estimated remaining funds due at closing
$345,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,814.01
Your down payment$331,814.01
Closing costs + prepaids$13,316.67
Total buyer cash needed$345,130.68
Remaining funds due$345,130.68
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)$359.00
Prepaid interest, first (26 days)$1,033.67
Fees + prepaids$13,316.67
Your down payment is the seller’s equity. You take over the $213,086 balance, so the rest of the $544,900 price is paid at closing. A second mortgage can cover part of it. $345,130.68 is due at closing. Uses and sources reconcile at $558,216.67 each. Not a Closing Disclosure.