Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$373,393Cash toward the purchase price.
Closing costs + prepaids$14,036Not just lender fees.
Before credits & paid funds$387,429The complete starting cash picture.
Estimated remaining funds due at closing
$387,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$373,392.95
Your down payment$373,392.95
Closing costs + prepaids$14,036.41
Total buyer cash needed$387,429.36
Remaining funds due$387,429.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$461.25
Initial HOA (3 months)$2,625.00
Prepaid interest, first (24 days)$225.16
Fees + prepaids$14,036.41
Your down payment is the seller’s equity. You take over the $76,607 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $387,429.36 is due at closing. Uses and sources reconcile at $464,036.41 each. Not a Closing Disclosure.