Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$301,994Cash toward the purchase price.
Closing costs + prepaids$11,202Not just lender fees.
Before credits & paid funds$313,195The complete starting cash picture.
Estimated remaining funds due at closing
$313,195No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$301,993.60
Your down payment$301,993.60
Closing costs + prepaids$11,201.76
Total buyer cash needed$313,195.37
Remaining funds due$313,195.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.90
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)$531.25
Prepaid interest, first (15 days)$195.61
Fees + prepaids$11,201.76
Your down payment is the seller’s equity. You take over the $122,996 balance, so the rest of the $424,990 price is paid at closing. A second mortgage can cover part of it. $313,195.37 is due at closing. Uses and sources reconcile at $436,191.76 each. Not a Closing Disclosure.