Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$297,922Cash toward the purchase price.
Closing costs + prepaids$11,594Not just lender fees.
Before credits & paid funds$309,516The complete starting cash picture.
Estimated remaining funds due at closing
$309,516No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$297,921.63
Your down payment$297,921.63
Closing costs + prepaids$11,594.16
Total buyer cash needed$309,515.79
Remaining funds due$309,515.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$378.00
Prepaid interest, first (30 days)$492.16
Fees + prepaids$11,594.16
Your down payment is the seller’s equity. You take over the $151,978 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $309,515.79 is due at closing. Uses and sources reconcile at $461,494.16 each. Not a Closing Disclosure.