Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$331,745Cash toward the purchase price.
Closing costs + prepaids$12,127Not just lender fees.
Before credits & paid funds$343,871The complete starting cash picture.
Estimated remaining funds due at closing
$343,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,744.82
Your down payment$331,744.82
Closing costs + prepaids$12,126.55
Total buyer cash needed$343,871.37
Remaining funds due$343,871.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$281.50
Prepaid interest, first (1 days)$20.05
Fees + prepaids$12,126.55
Your down payment is the seller’s equity. You take over the $203,255 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $343,871.37 is due at closing. Uses and sources reconcile at $547,126.55 each. Not a Closing Disclosure.