Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$286,782Cash toward the purchase price.
Closing costs + prepaids$12,221Not just lender fees.
Before credits & paid funds$299,003The complete starting cash picture.
Estimated remaining funds due at closing
$299,003No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,781.79
Your down payment$286,781.79
Closing costs + prepaids$12,221.33
Total buyer cash needed$299,003.13
Remaining funds due$299,003.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$1,125.00
Prepaid interest, first (24 days)$371.33
Fees + prepaids$12,221.33
Your down payment is the seller’s equity. You take over the $163,218 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $299,003.13 is due at closing. Uses and sources reconcile at $462,221.33 each. Not a Closing Disclosure.