Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$351,964Cash toward the purchase price.
Closing costs + prepaids$11,626Not just lender fees.
Before credits & paid funds$363,589The complete starting cash picture.
Estimated remaining funds due at closing
$363,589No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$351,963.60
Your down payment$351,963.60
Closing costs + prepaids$11,625.70
Total buyer cash needed$363,589.30
Remaining funds due$363,589.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,495.00
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)$527.75
Initial HOA (3 months)$84.00
Prepaid interest, first (22 days)$293.95
Fees + prepaids$11,625.70
Your down payment is the seller’s equity. You take over the $97,536 balance, so the rest of the $449,500 price is paid at closing. A second mortgage can cover part of it. $363,589.30 is due at closing. Uses and sources reconcile at $461,125.70 each. Not a Closing Disclosure.