Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$283,991Cash toward the purchase price.
Closing costs + prepaids$11,630Not just lender fees.
Before credits & paid funds$295,621The complete starting cash picture.
Estimated remaining funds due at closing
$295,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,991.03
Your down payment$283,991.03
Closing costs + prepaids$11,630.42
Total buyer cash needed$295,621.45
Remaining funds due$295,621.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$433.75
Prepaid interest, first (27 days)$521.67
Fees + prepaids$11,630.42
Your down payment is the seller’s equity. You take over the $161,009 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $295,621.45 is due at closing. Uses and sources reconcile at $456,630.42 each. Not a Closing Disclosure.