Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$302,545Cash toward the purchase price.
Closing costs + prepaids$12,963Not just lender fees.
Before credits & paid funds$315,508The complete starting cash picture.
Estimated remaining funds due at closing
$315,508No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,545.21
Your down payment$302,545.21
Closing costs + prepaids$12,963.17
Total buyer cash needed$315,508.38
Remaining funds due$315,508.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.00
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)$1,716.50
Prepaid interest, first (1 days)$22.67
Fees + prepaids$12,963.17
Your down payment is the seller’s equity. You take over the $172,355 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $315,508.38 is due at closing. Uses and sources reconcile at $487,863.17 each. Not a Closing Disclosure.