Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$317,321Cash toward the purchase price.
Closing costs + prepaids$11,102Not just lender fees.
Before credits & paid funds$328,423The complete starting cash picture.
Estimated remaining funds due at closing
$328,423No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$317,321.40
Your down payment$317,321.40
Closing costs + prepaids$11,101.51
Total buyer cash needed$328,422.90
Remaining funds due$328,422.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$404.25
Prepaid interest, first (27 days)$322.26
Fees + prepaids$11,101.51
Your down payment is the seller’s equity. You take over the $97,679 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $328,422.90 is due at closing. Uses and sources reconcile at $426,101.51 each. Not a Closing Disclosure.