Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$305,516Cash toward the purchase price.
Closing costs + prepaids$12,222Not just lender fees.
Before credits & paid funds$317,738The complete starting cash picture.
Estimated remaining funds due at closing
$317,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,516.18
Your down payment$305,516.18
Closing costs + prepaids$12,221.50
Total buyer cash needed$317,737.68
Remaining funds due$317,737.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$960.75
Prepaid interest, first (2 days)$35.75
Fees + prepaids$12,221.50
Your down payment is the seller’s equity. You take over the $169,484 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $317,737.68 is due at closing. Uses and sources reconcile at $487,221.50 each. Not a Closing Disclosure.