Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$331,269Cash toward the purchase price.
Closing costs + prepaids$13,513Not just lender fees.
Before credits & paid funds$344,782The complete starting cash picture.
Estimated remaining funds due at closing
$344,782No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,269.01
Your down payment$331,269.01
Closing costs + prepaids$13,512.82
Total buyer cash needed$344,781.83
Remaining funds due$344,781.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$1,122.50
Initial HOA (3 months)$1,296.00
Prepaid interest, first (28 days)$379.32
Fees + prepaids$13,512.82
Your down payment is the seller’s equity. You take over the $117,731 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $344,781.83 is due at closing. Uses and sources reconcile at $462,512.82 each. Not a Closing Disclosure.