Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$316,088Cash toward the purchase price.
Closing costs + prepaids$12,205Not just lender fees.
Before credits & paid funds$328,293The complete starting cash picture.
Estimated remaining funds due at closing
$328,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,088.27
Your down payment$316,088.27
Closing costs + prepaids$12,204.59
Total buyer cash needed$328,292.86
Remaining funds due$328,292.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,649.00
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)$728.25
Prepaid interest, first (29 days)$352.34
Fees + prepaids$12,204.59
Your down payment is the seller’s equity. You take over the $148,812 balance, so the rest of the $464,900 price is paid at closing. A second mortgage can cover part of it. $328,292.86 is due at closing. Uses and sources reconcile at $477,104.59 each. Not a Closing Disclosure.