Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$305,846Cash toward the purchase price.
Closing costs + prepaids$12,137Not just lender fees.
Before credits & paid funds$317,984The complete starting cash picture.
Estimated remaining funds due at closing
$317,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,846.18
Your down payment$305,846.18
Closing costs + prepaids$12,137.45
Total buyer cash needed$317,983.64
Remaining funds due$317,983.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$1,028.25
Prepaid interest, first (23 days)$394.20
Fees + prepaids$12,137.45
Your down payment is the seller’s equity. You take over the $143,154 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $317,983.64 is due at closing. Uses and sources reconcile at $461,137.45 each. Not a Closing Disclosure.