Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$307,203Cash toward the purchase price.
Closing costs + prepaids$12,539Not just lender fees.
Before credits & paid funds$319,743The complete starting cash picture.
Estimated remaining funds due at closing
$319,743No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$307,203.32
Your down payment$307,203.32
Closing costs + prepaids$12,539.43
Total buyer cash needed$319,742.75
Remaining funds due$319,742.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.00
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)$468.75
Initial HOA (3 months)$75.99
Prepaid interest, first (28 days)$720.69
Fees + prepaids$12,539.43
Your down payment is the seller’s equity. You take over the $172,697 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $319,742.75 is due at closing. Uses and sources reconcile at $492,439.43 each. Not a Closing Disclosure.