Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$313,718Cash toward the purchase price.
Closing costs + prepaids$11,769Not just lender fees.
Before credits & paid funds$325,488The complete starting cash picture.
Estimated remaining funds due at closing
$325,488No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,718.34
Your down payment$313,718.34
Closing costs + prepaids$11,769.39
Total buyer cash needed$325,487.73
Remaining funds due$325,487.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,190.00
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)$991.50
Prepaid interest, first (23 days)$362.89
Fees + prepaids$11,769.39
Your down payment is the seller’s equity. You take over the $105,282 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $325,487.73 is due at closing. Uses and sources reconcile at $430,769.39 each. Not a Closing Disclosure.