Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$302,912Cash toward the purchase price.
Closing costs + prepaids$13,461Not just lender fees.
Before credits & paid funds$316,373The complete starting cash picture.
Estimated remaining funds due at closing
$316,373No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,911.87
Your down payment$302,911.87
Closing costs + prepaids$13,460.71
Total buyer cash needed$316,372.58
Remaining funds due$316,372.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.00
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)$1,716.50
Prepaid interest, first (23 days)$520.21
Fees + prepaids$13,460.71
Your down payment is the seller’s equity. You take over the $171,988 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $316,372.58 is due at closing. Uses and sources reconcile at $488,360.71 each. Not a Closing Disclosure.