Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$317,907Cash toward the purchase price.
Closing costs + prepaids$13,803Not just lender fees.
Before credits & paid funds$331,710The complete starting cash picture.
Estimated remaining funds due at closing
$331,710No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$317,906.53
Your down payment$317,906.53
Closing costs + prepaids$13,803.27
Total buyer cash needed$331,709.80
Remaining funds due$331,709.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,849.00
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)$748.75
Initial HOA (3 months)$1,398.00
Prepaid interest, first (23 days)$332.52
Fees + prepaids$13,803.27
Your down payment is the seller’s equity. You take over the $166,993 balance, so the rest of the $484,900 price is paid at closing. A second mortgage can cover part of it. $331,709.80 is due at closing. Uses and sources reconcile at $498,703.27 each. Not a Closing Disclosure.