Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$308,672Cash toward the purchase price.
Closing costs + prepaids$11,688Not just lender fees.
Before credits & paid funds$320,359The complete starting cash picture.
Estimated remaining funds due at closing
$320,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$308,671.77
Your down payment$308,671.77
Closing costs + prepaids$11,687.69
Total buyer cash needed$320,359.46
Remaining funds due$320,359.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,849.00
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 (1 days)$17.19
Fees + prepaids$11,687.69
Your down payment is the seller’s equity. You take over the $176,228 balance, so the rest of the $484,900 price is paid at closing. A second mortgage can cover part of it. $320,359.46 is due at closing. Uses and sources reconcile at $496,587.69 each. Not a Closing Disclosure.