Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$305,958Cash toward the purchase price.
Closing costs + prepaids$13,311Not just lender fees.
Before credits & paid funds$319,269The complete starting cash picture.
Estimated remaining funds due at closing
$319,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,958.05
Your down payment$305,958.05
Closing costs + prepaids$13,311.09
Total buyer cash needed$319,269.15
Remaining funds due$319,269.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,998.75
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)$1,249.75
Prepaid interest, first (28 days)$587.59
Fees + prepaids$13,311.09
Your down payment is the seller’s equity. You take over the $193,917 balance, so the rest of the $499,875 price is paid at closing. A second mortgage can cover part of it. $319,269.15 is due at closing. Uses and sources reconcile at $513,186.09 each. Not a Closing Disclosure.