Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$313,064Cash toward the purchase price.
Closing costs + prepaids$12,157Not just lender fees.
Before credits & paid funds$325,221The complete starting cash picture.
Estimated remaining funds due at closing
$325,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,064.47
Your down payment$313,064.47
Closing costs + prepaids$12,156.80
Total buyer cash needed$325,221.26
Remaining funds due$325,221.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$673.00
Prepaid interest, first (27 days)$308.80
Fees + prepaids$12,156.80
Your down payment is the seller’s equity. You take over the $156,936 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $325,221.26 is due at closing. Uses and sources reconcile at $482,156.80 each. Not a Closing Disclosure.