Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$315,006Cash toward the purchase price.
Closing costs + prepaids$11,865Not just lender fees.
Before credits & paid funds$326,871The complete starting cash picture.
Estimated remaining funds due at closing
$326,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$315,005.56
Your down payment$315,005.56
Closing costs + prepaids$11,865.05
Total buyer cash needed$326,870.61
Remaining funds due$326,870.61
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)$753.00
Prepaid interest, first (30 days)$388.05
Fees + prepaids$11,865.05
Your down payment is the seller’s equity. You take over the $134,894 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $326,870.61 is due at closing. Uses and sources reconcile at $461,765.05 each. Not a Closing Disclosure.