Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$283,991Cash toward the purchase price.
Closing costs + prepaids$11,560Not just lender fees.
Before credits & paid funds$295,551The complete starting cash picture.
Estimated remaining funds due at closing
$295,551No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,991.03
Your down payment$283,991.03
Closing costs + prepaids$11,559.71
Total buyer cash needed$295,550.74
Remaining funds due$295,550.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$556.25
Prepaid interest, first (17 days)$328.46
Fees + prepaids$11,559.71
Your down payment is the seller’s equity. You take over the $161,009 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $295,550.74 is due at closing. Uses and sources reconcile at $456,559.71 each. Not a Closing Disclosure.