Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$300,389Cash toward the purchase price.
Closing costs + prepaids$12,463Not just lender fees.
Before credits & paid funds$312,852The complete starting cash picture.
Estimated remaining funds due at closing
$312,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,389.16
Your down payment$300,389.16
Closing costs + prepaids$12,462.77
Total buyer cash needed$312,851.93
Remaining funds due$312,851.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,780.00
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)$514.50
Initial HOA (3 months)$240.00
Prepaid interest, first (23 days)$453.27
Fees + prepaids$12,462.77
Your down payment is the seller’s equity. You take over the $177,611 balance, so the rest of the $478,000 price is paid at closing. A second mortgage can cover part of it. $312,851.93 is due at closing. Uses and sources reconcile at $490,462.77 each. Not a Closing Disclosure.