Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$304,649Cash toward the purchase price.
Closing costs + prepaids$13,111Not just lender fees.
Before credits & paid funds$317,760The complete starting cash picture.
Estimated remaining funds due at closing
$317,760No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,649.29
Your down payment$304,649.29
Closing costs + prepaids$13,110.96
Total buyer cash needed$317,760.25
Remaining funds due$317,760.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$1,065.25
Prepaid interest, first (24 days)$780.71
Fees + prepaids$13,110.96
Your down payment is the seller’s equity. You take over the $174,351 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $317,760.25 is due at closing. Uses and sources reconcile at $492,110.96 each. Not a Closing Disclosure.