Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$313,327Cash toward the purchase price.
Closing costs + prepaids$13,045Not just lender fees.
Before credits & paid funds$326,372The complete starting cash picture.
Estimated remaining funds due at closing
$326,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,327.16
Your down payment$313,327.16
Closing costs + prepaids$13,045.24
Total buyer cash needed$326,372.40
Remaining funds due$326,372.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$1,433.00
Initial HOA (3 months)$24.99
Prepaid interest, first (27 days)$462.25
Fees + prepaids$13,045.24
Your down payment is the seller’s equity. You take over the $151,673 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $326,372.40 is due at closing. Uses and sources reconcile at $478,045.24 each. Not a Closing Disclosure.