Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$309,162Cash toward the purchase price.
Closing costs + prepaids$12,133Not just lender fees.
Before credits & paid funds$321,295The complete starting cash picture.
Estimated remaining funds due at closing
$321,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,162.08
Your down payment$309,162.08
Closing costs + prepaids$12,133.29
Total buyer cash needed$321,295.37
Remaining funds due$321,295.37
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)$346.50
Prepaid interest, first (27 days)$462.79
Fees + prepaids$12,133.29
Your down payment is the seller’s equity. You take over the $175,738 balance, so the rest of the $484,900 price is paid at closing. A second mortgage can cover part of it. $321,295.37 is due at closing. Uses and sources reconcile at $497,033.29 each. Not a Closing Disclosure.