Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$306,795Cash toward the purchase price.
Closing costs + prepaids$13,376Not just lender fees.
Before credits & paid funds$320,172The complete starting cash picture.
Estimated remaining funds due at closing
$320,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,795.49
Your down payment$306,795.49
Closing costs + prepaids$13,376.25
Total buyer cash needed$320,171.74
Remaining funds due$320,171.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.50
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)$2,311.25
Prepaid interest, first (23 days)$440.50
Fees + prepaids$13,376.25
Your down payment is the seller’s equity. You take over the $133,155 balance, so the rest of the $439,950 price is paid at closing. A second mortgage can cover part of it. $320,171.74 is due at closing. Uses and sources reconcile at $453,326.25 each. Not a Closing Disclosure.