Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$302,400Cash toward the purchase price.
Closing costs + prepaids$11,216Not just lender fees.
Before credits & paid funds$313,616The complete starting cash picture.
Estimated remaining funds due at closing
$313,616No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,399.63
Your down payment$302,399.63
Closing costs + prepaids$11,216.16
Total buyer cash needed$313,615.79
Remaining funds due$313,615.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.95
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)$276.75
Initial HOA (3 months)$183.00
Prepaid interest, first (2 days)$31.46
Fees + prepaids$11,216.16
Your down payment is the seller’s equity. You take over the $147,595 balance, so the rest of the $449,995 price is paid at closing. A second mortgage can cover part of it. $313,615.79 is due at closing. Uses and sources reconcile at $461,211.16 each. Not a Closing Disclosure.