Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$328,008Cash toward the purchase price.
Closing costs + prepaids$13,140Not just lender fees.
Before credits & paid funds$341,149The complete starting cash picture.
Estimated remaining funds due at closing
$341,149No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,008.44
Your down payment$328,008.44
Closing costs + prepaids$13,140.26
Total buyer cash needed$341,148.70
Remaining funds due$341,148.70
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)$1,477.75
Prepaid interest, first (28 days)$437.51
Fees + prepaids$13,140.26
Your down payment is the seller’s equity. You take over the $146,992 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $341,148.70 is due at closing. Uses and sources reconcile at $488,140.26 each. Not a Closing Disclosure.