Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$302,723Cash toward the purchase price.
Closing costs + prepaids$11,812Not just lender fees.
Before credits & paid funds$314,535The complete starting cash picture.
Estimated remaining funds due at closing
$314,535No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,723.09
Your down payment$302,723.09
Closing costs + prepaids$11,811.71
Total buyer cash needed$314,534.81
Remaining funds due$314,534.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,360.00
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)$463.75
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$462.96
Fees + prepaids$11,811.71
Your down payment is the seller’s equity. You take over the $133,277 balance, so the rest of the $436,000 price is paid at closing. A second mortgage can cover part of it. $314,534.81 is due at closing. Uses and sources reconcile at $447,811.71 each. Not a Closing Disclosure.