Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$327,813Cash toward the purchase price.
Closing costs + prepaids$9,917Not just lender fees.
Before credits & paid funds$337,730The complete starting cash picture.
Estimated remaining funds due at closing
$337,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,812.72
Your down payment$327,812.72
Closing costs + prepaids$9,917.43
Total buyer cash needed$337,730.15
Remaining funds due$337,730.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,400.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$265.00
Prepaid interest, first (31 days)$27.43
Fees + prepaids$9,917.43
Your down payment is the seller’s equity. You take over the $12,187 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $337,730.15 is due at closing. Uses and sources reconcile at $349,917.43 each. Not a Closing Disclosure.