Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$316,002Cash toward the purchase price.
Closing costs + prepaids$12,141Not just lender fees.
Before credits & paid funds$328,143The complete starting cash picture.
Estimated remaining funds due at closing
$328,143No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,001.96
Your down payment$316,001.96
Closing costs + prepaids$12,141.22
Total buyer cash needed$328,143.18
Remaining funds due$328,143.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,680.00
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)$489.25
Prepaid interest, first (27 days)$496.97
Fees + prepaids$12,141.22
Your down payment is the seller’s equity. You take over the $151,998 balance, so the rest of the $468,000 price is paid at closing. A second mortgage can cover part of it. $328,143.18 is due at closing. Uses and sources reconcile at $480,141.22 each. Not a Closing Disclosure.