Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$318,242Cash toward the purchase price.
Closing costs + prepaids$11,764Not just lender fees.
Before credits & paid funds$330,006The complete starting cash picture.
Estimated remaining funds due at closing
$330,006No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$318,242.28
Your down payment$318,242.28
Closing costs + prepaids$11,763.82
Total buyer cash needed$330,006.10
Remaining funds due$330,006.10
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)$532.25
Initial HOA (3 months)$204.00
Prepaid interest, first (22 days)$302.57
Fees + prepaids$11,763.82
Your down payment is the seller’s equity. You take over the $131,758 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $330,006.10 is due at closing. Uses and sources reconcile at $461,763.82 each. Not a Closing Disclosure.