Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$309,481Cash toward the purchase price.
Closing costs + prepaids$11,658Not just lender fees.
Before credits & paid funds$321,139The complete starting cash picture.
Estimated remaining funds due at closing
$321,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,480.79
Your down payment$309,480.79
Closing costs + prepaids$11,657.97
Total buyer cash needed$321,138.76
Remaining funds due$321,138.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.00
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)$901.75
Prepaid interest, first (25 days)$282.22
Fees + prepaids$11,657.97
Your down payment is the seller’s equity. You take over the $115,419 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $321,138.76 is due at closing. Uses and sources reconcile at $436,557.97 each. Not a Closing Disclosure.