Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$299,162Cash toward the purchase price.
Closing costs + prepaids$11,930Not just lender fees.
Before credits & paid funds$311,093The complete starting cash picture.
Estimated remaining funds due at closing
$311,093No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$299,162.08
Your down payment$299,162.08
Closing costs + prepaids$11,930.45
Total buyer cash needed$311,092.53
Remaining funds due$311,092.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.00
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)$346.50
Prepaid interest, first (21 days)$359.95
Fees + prepaids$11,930.45
Your down payment is the seller’s equity. You take over the $175,738 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $311,092.53 is due at closing. Uses and sources reconcile at $486,830.45 each. Not a Closing Disclosure.