Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$307,600Cash toward the purchase price.
Closing costs + prepaids$11,980Not just lender fees.
Before credits & paid funds$319,580The complete starting cash picture.
Estimated remaining funds due at closing
$319,580No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$307,600.03
Your down payment$307,600.03
Closing costs + prepaids$11,979.81
Total buyer cash needed$319,579.83
Remaining funds due$319,579.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,250.00
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)$1,120.25
Prepaid interest, first (28 days)$384.56
Fees + prepaids$11,979.81
Your down payment is the seller’s equity. You take over the $117,400 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $319,579.83 is due at closing. Uses and sources reconcile at $436,979.81 each. Not a Closing Disclosure.