Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$306,031Cash toward the purchase price.
Closing costs + prepaids$12,613Not just lender fees.
Before credits & paid funds$318,645The complete starting cash picture.
Estimated remaining funds due at closing
$318,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,031.15
Your down payment$306,031.15
Closing costs + prepaids$12,613.50
Total buyer cash needed$318,644.64
Remaining funds due$318,644.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$960.75
Prepaid interest, first (24 days)$427.75
Fees + prepaids$12,613.50
Your down payment is the seller’s equity. You take over the $168,969 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $318,644.64 is due at closing. Uses and sources reconcile at $487,613.50 each. Not a Closing Disclosure.