Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$316,088Cash toward the purchase price.
Closing costs + prepaids$12,071Not just lender fees.
Before credits & paid funds$328,159The complete starting cash picture.
Estimated remaining funds due at closing
$328,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,088.27
Your down payment$316,088.27
Closing costs + prepaids$12,070.94
Total buyer cash needed$328,159.22
Remaining funds due$328,159.22
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)$728.25
Prepaid interest, first (18 days)$218.69
Fees + prepaids$12,070.94
Your down payment is the seller’s equity. You take over the $148,812 balance, so the rest of the $464,900 price is paid at closing. A second mortgage can cover part of it. $328,159.22 is due at closing. Uses and sources reconcile at $476,970.94 each. Not a Closing Disclosure.