Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$310,507Cash toward the purchase price.
Closing costs + prepaids$13,394Not just lender fees.
Before credits & paid funds$323,901The complete starting cash picture.
Estimated remaining funds due at closing
$323,901No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,506.53
Your down payment$310,506.53
Closing costs + prepaids$13,394.49
Total buyer cash needed$323,901.02
Remaining funds due$323,901.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,775.00
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)$573.00
Initial HOA (3 months)$1,398.00
Prepaid interest, first (12 days)$173.49
Fees + prepaids$13,394.49
Your down payment is the seller’s equity. You take over the $166,993 balance, so the rest of the $477,500 price is paid at closing. A second mortgage can cover part of it. $323,901.02 is due at closing. Uses and sources reconcile at $490,894.49 each. Not a Closing Disclosure.