Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$309,282Cash toward the purchase price.
Closing costs + prepaids$12,492Not just lender fees.
Before credits & paid funds$321,774The complete starting cash picture.
Estimated remaining funds due at closing
$321,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,281.83
Your down payment$309,281.83
Closing costs + prepaids$12,491.70
Total buyer cash needed$321,773.53
Remaining funds due$321,773.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$887.75
Initial HOA (3 months)$156.00
Prepaid interest, first (23 days)$373.95
Fees + prepaids$12,491.70
Your down payment is the seller’s equity. You take over the $150,618 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $321,773.53 is due at closing. Uses and sources reconcile at $472,391.70 each. Not a Closing Disclosure.