Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$311,971Cash toward the purchase price.
Closing costs + prepaids$11,302Not just lender fees.
Before credits & paid funds$323,273The complete starting cash picture.
Estimated remaining funds due at closing
$323,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,970.73
Your down payment$311,970.73
Closing costs + prepaids$11,302.37
Total buyer cash needed$323,273.10
Remaining funds due$323,273.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,330.00
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)$149.25
Prepaid interest, first (29 days)$598.12
Fees + prepaids$11,302.37
Your down payment is the seller’s equity. You take over the $121,029 balance, so the rest of the $433,000 price is paid at closing. A second mortgage can cover part of it. $323,273.10 is due at closing. Uses and sources reconcile at $444,302.37 each. Not a Closing Disclosure.