Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$315,745Cash toward the purchase price.
Closing costs + prepaids$12,202Not just lender fees.
Before credits & paid funds$327,947The complete starting cash picture.
Estimated remaining funds due at closing
$327,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$315,744.97
Your down payment$315,744.97
Closing costs + prepaids$12,202.19
Total buyer cash needed$327,947.16
Remaining funds due$327,947.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
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)$685.25
Prepaid interest, first (29 days)$342.94
Fees + prepaids$12,202.19
Your down payment is the seller’s equity. You take over the $154,155 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $327,947.16 is due at closing. Uses and sources reconcile at $482,102.19 each. Not a Closing Disclosure.