Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$331,852Cash toward the purchase price.
Closing costs + prepaids$14,410Not just lender fees.
Before credits & paid funds$346,261The complete starting cash picture.
Estimated remaining funds due at closing
$346,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,851.72
Your down payment$331,851.72
Closing costs + prepaids$14,409.77
Total buyer cash needed$346,261.50
Remaining funds due$346,261.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$2,628.25
Initial HOA (3 months)$232.50
Prepaid interest, first (27 days)$374.02
Fees + prepaids$14,409.77
Your down payment is the seller’s equity. You take over the $138,148 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $346,261.50 is due at closing. Uses and sources reconcile at $484,409.77 each. Not a Closing Disclosure.