Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$304,939Cash toward the purchase price.
Closing costs + prepaids$12,466Not just lender fees.
Before credits & paid funds$317,405The complete starting cash picture.
Estimated remaining funds due at closing
$317,405No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,938.83
Your down payment$304,938.83
Closing costs + prepaids$12,465.75
Total buyer cash needed$317,404.58
Remaining funds due$317,404.58
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)$1,335.50
Prepaid interest, first (24 days)$405.35
Fees + prepaids$12,465.75
Your down payment is the seller’s equity. You take over the $145,051 balance, so the rest of the $449,990 price is paid at closing. A second mortgage can cover part of it. $317,404.58 is due at closing. Uses and sources reconcile at $462,455.75 each. Not a Closing Disclosure.