Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$330,488Cash toward the purchase price.
Closing costs + prepaids$12,219Not just lender fees.
Before credits & paid funds$342,707The complete starting cash picture.
Estimated remaining funds due at closing
$342,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,488.03
Your down payment$330,488.03
Closing costs + prepaids$12,219.22
Total buyer cash needed$342,707.25
Remaining funds due$342,707.25
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)$1,110.75
Initial HOA (3 months)$99.00
Prepaid interest, first (24 days)$284.47
Fees + prepaids$12,219.22
Your down payment is the seller’s equity. You take over the $119,512 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $342,707.25 is due at closing. Uses and sources reconcile at $462,219.22 each. Not a Closing Disclosure.