Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$296,658Cash toward the purchase price.
Closing costs + prepaids$11,670Not just lender fees.
Before credits & paid funds$308,328The complete starting cash picture.
Estimated remaining funds due at closing
$308,328No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$296,657.67
Your down payment$296,657.67
Closing costs + prepaids$11,670.36
Total buyer cash needed$308,328.03
Remaining funds due$308,328.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,420.00
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)$558.75
Prepaid interest, first (31 days)$466.61
Fees + prepaids$11,670.36
Your down payment is the seller’s equity. You take over the $145,342 balance, so the rest of the $442,000 price is paid at closing. A second mortgage can cover part of it. $308,328.03 is due at closing. Uses and sources reconcile at $453,670.36 each. Not a Closing Disclosure.