Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$307,763Cash toward the purchase price.
Closing costs + prepaids$12,890Not just lender fees.
Before credits & paid funds$320,652The complete starting cash picture.
Estimated remaining funds due at closing
$320,652No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$307,762.85
Your down payment$307,762.85
Closing costs + prepaids$12,889.59
Total buyer cash needed$320,652.44
Remaining funds due$320,652.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$1,441.50
Prepaid interest, first (25 days)$374.09
Fees + prepaids$12,889.59
Your down payment is the seller’s equity. You take over the $152,137 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $320,652.44 is due at closing. Uses and sources reconcile at $472,789.59 each. Not a Closing Disclosure.