Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$312,863Cash toward the purchase price.
Closing costs + prepaids$12,470Not just lender fees.
Before credits & paid funds$325,333The complete starting cash picture.
Estimated remaining funds due at closing
$325,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,863.38
Your down payment$312,863.38
Closing costs + prepaids$12,469.87
Total buyer cash needed$325,333.25
Remaining funds due$325,333.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,649.00
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)$528.50
Prepaid interest, first (31 days)$817.37
Fees + prepaids$12,469.87
Your down payment is the seller’s equity. You take over the $152,037 balance, so the rest of the $464,900 price is paid at closing. A second mortgage can cover part of it. $325,333.25 is due at closing. Uses and sources reconcile at $477,369.87 each. Not a Closing Disclosure.