Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$300,604Cash toward the purchase price.
Closing costs + prepaids$12,247Not just lender fees.
Before credits & paid funds$312,852The complete starting cash picture.
Estimated remaining funds due at closing
$312,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,604.24
Your down payment$300,604.24
Closing costs + prepaids$12,247.46
Total buyer cash needed$312,851.70
Remaining funds due$312,851.70
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)$1,015.50
Initial HOA (3 months)$87.51
Prepaid interest, first (28 days)$419.45
Fees + prepaids$12,247.46
Your down payment is the seller’s equity. You take over the $149,396 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $312,851.70 is due at closing. Uses and sources reconcile at $462,247.46 each. Not a Closing Disclosure.