Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$303,903Cash toward the purchase price.
Closing costs + prepaids$11,733Not just lender fees.
Before credits & paid funds$315,636The complete starting cash picture.
Estimated remaining funds due at closing
$315,636No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$303,902.99
Your down payment$303,902.99
Closing costs + prepaids$11,732.56
Total buyer cash needed$315,635.55
Remaining funds due$315,635.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.90
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)$503.75
Initial HOA (3 months)$93.75
Prepaid interest, first (28 days)$410.16
Fees + prepaids$11,732.56
Your down payment is the seller’s equity. You take over the $146,087 balance, so the rest of the $449,990 price is paid at closing. A second mortgage can cover part of it. $315,635.55 is due at closing. Uses and sources reconcile at $461,722.56 each. Not a Closing Disclosure.