Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$340,659Cash toward the purchase price.
Closing costs + prepaids$11,969Not just lender fees.
Before credits & paid funds$352,628The complete starting cash picture.
Estimated remaining funds due at closing
$352,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$340,659.04
Your down payment$340,659.04
Closing costs + prepaids$11,968.67
Total buyer cash needed$352,627.71
Remaining funds due$352,627.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$184.50
Prepaid interest, first (31 days)$359.17
Fees + prepaids$11,968.67
Your down payment is the seller’s equity. You take over the $154,341 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $352,627.71 is due at closing. Uses and sources reconcile at $506,968.67 each. Not a Closing Disclosure.