Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$313,395Cash toward the purchase price.
Closing costs + prepaids$13,154Not just lender fees.
Before credits & paid funds$326,550The complete starting cash picture.
Estimated remaining funds due at closing
$326,550No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,395.11
Your down payment$313,395.11
Closing costs + prepaids$13,154.42
Total buyer cash needed$326,549.52
Remaining funds due$326,549.52
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)$1,195.00
Prepaid interest, first (22 days)$704.42
Fees + prepaids$13,154.42
Your down payment is the seller’s equity. You take over the $164,605 balance, so the rest of the $478,000 price is paid at closing. A second mortgage can cover part of it. $326,549.52 is due at closing. Uses and sources reconcile at $491,154.42 each. Not a Closing Disclosure.