Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$310,897Cash toward the purchase price.
Closing costs + prepaids$13,394Not just lender fees.
Before credits & paid funds$324,290The complete starting cash picture.
Estimated remaining funds due at closing
$324,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,896.54
Your down payment$310,896.54
Closing costs + prepaids$13,393.85
Total buyer cash needed$324,290.39
Remaining funds due$324,290.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,800.00
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)$1,530.00
Prepaid interest, first (31 days)$588.85
Fees + prepaids$13,393.85
Your down payment is the seller’s equity. You take over the $169,103 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $324,290.39 is due at closing. Uses and sources reconcile at $493,393.85 each. Not a Closing Disclosure.