Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$314,152Cash toward the purchase price.
Closing costs + prepaids$11,798Not just lender fees.
Before credits & paid funds$325,950The complete starting cash picture.
Estimated remaining funds due at closing
$325,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$314,152.31
Your down payment$314,152.31
Closing costs + prepaids$11,798.15
Total buyer cash needed$325,950.45
Remaining funds due$325,950.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,625.00
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)$555.00
Prepaid interest, first (6 days)$143.15
Fees + prepaids$11,798.15
Your down payment is the seller’s equity. You take over the $148,348 balance, so the rest of the $462,500 price is paid at closing. A second mortgage can cover part of it. $325,950.45 is due at closing. Uses and sources reconcile at $474,298.15 each. Not a Closing Disclosure.