Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$298,996Cash toward the purchase price.
Closing costs + prepaids$12,048Not just lender fees.
Before credits & paid funds$311,044The complete starting cash picture.
Estimated remaining funds due at closing
$311,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$298,996.28
Your down payment$298,996.28
Closing costs + prepaids$12,047.60
Total buyer cash needed$311,043.88
Remaining funds due$311,043.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,459.00
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)$700.00
Prepaid interest, first (24 days)$663.60
Fees + prepaids$12,047.60
Your down payment is the seller’s equity. You take over the $146,904 balance, so the rest of the $445,900 price is paid at closing. A second mortgage can cover part of it. $311,043.88 is due at closing. Uses and sources reconcile at $457,947.60 each. Not a Closing Disclosure.