Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$326,931Cash toward the purchase price.
Closing costs + prepaids$9,649Not just lender fees.
Before credits & paid funds$336,580The complete starting cash picture.
Estimated remaining funds due at closing
$336,580No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,931.21
Your down payment$326,931.21
Closing costs + prepaids$9,648.95
Total buyer cash needed$336,580.15
Remaining funds due$336,580.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$124.00
Prepaid interest, first (2 days)$0.95
Fees + prepaids$9,648.95
Your down payment is the seller’s equity. You take over the $2,969 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $336,580.15 is due at closing. Uses and sources reconcile at $339,548.95 each. Not a Closing Disclosure.