Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$308,358Cash toward the purchase price.
Closing costs + prepaids$13,054Not just lender fees.
Before credits & paid funds$321,412The complete starting cash picture.
Estimated remaining funds due at closing
$321,412No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$308,357.92
Your down payment$308,357.92
Closing costs + prepaids$13,054.43
Total buyer cash needed$321,412.35
Remaining funds due$321,412.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,850.00
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)$1,359.50
Prepaid interest, first (28 days)$369.93
Fees + prepaids$13,054.43
Your down payment is the seller’s equity. You take over the $176,642 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $321,412.35 is due at closing. Uses and sources reconcile at $498,054.43 each. Not a Closing Disclosure.