Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$305,714Cash toward the purchase price.
Closing costs + prepaids$11,859Not just lender fees.
Before credits & paid funds$317,574The complete starting cash picture.
Estimated remaining funds due at closing
$317,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,714.40
Your down payment$305,714.40
Closing costs + prepaids$11,859.44
Total buyer cash needed$317,573.83
Remaining funds due$317,573.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$886.50
Prepaid interest, first (29 days)$357.94
Fees + prepaids$11,859.44
Your down payment is the seller’s equity. You take over the $133,286 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $317,573.83 is due at closing. Uses and sources reconcile at $450,859.44 each. Not a Closing Disclosure.