Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$303,227Cash toward the purchase price.
Closing costs + prepaids$11,416Not just lender fees.
Before credits & paid funds$314,643The complete starting cash picture.
Estimated remaining funds due at closing
$314,643No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$303,227.24
Your down payment$303,227.24
Closing costs + prepaids$11,415.90
Total buyer cash needed$314,643.14
Remaining funds due$314,643.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$586.75
Prepaid interest, first (24 days)$204.15
Fees + prepaids$11,415.90
Your down payment is the seller’s equity. You take over the $136,773 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $314,643.14 is due at closing. Uses and sources reconcile at $451,415.90 each. Not a Closing Disclosure.