Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$301,874Cash toward the purchase price.
Closing costs + prepaids$12,371Not just lender fees.
Before credits & paid funds$314,246The complete starting cash picture.
Estimated remaining funds due at closing
$314,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$301,874.45
Your down payment$301,874.45
Closing costs + prepaids$12,371.41
Total buyer cash needed$314,245.86
Remaining funds due$314,245.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.00
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)$491.25
Initial HOA (3 months)$177.00
Prepaid interest, first (28 days)$479.16
Fees + prepaids$12,371.41
Your down payment is the seller’s equity. You take over the $173,026 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $314,245.86 is due at closing. Uses and sources reconcile at $487,271.41 each. Not a Closing Disclosure.