Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$315,503Cash toward the purchase price.
Closing costs + prepaids$12,447Not just lender fees.
Before credits & paid funds$327,950The complete starting cash picture.
Estimated remaining funds due at closing
$327,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$315,502.89
Your down payment$315,502.89
Closing costs + prepaids$12,446.67
Total buyer cash needed$327,949.57
Remaining funds due$327,949.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,870.00
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)$629.75
Prepaid interest, first (27 days)$471.92
Fees + prepaids$12,446.67
Your down payment is the seller’s equity. You take over the $171,497 balance, so the rest of the $487,000 price is paid at closing. A second mortgage can cover part of it. $327,949.57 is due at closing. Uses and sources reconcile at $499,446.67 each. Not a Closing Disclosure.