Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$332,813Cash toward the purchase price.
Closing costs + prepaids$14,056Not just lender fees.
Before credits & paid funds$346,869The complete starting cash picture.
Estimated remaining funds due at closing
$346,869No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,813.24
Your down payment$332,813.24
Closing costs + prepaids$14,055.64
Total buyer cash needed$346,868.87
Remaining funds due$346,868.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,690.00
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)$1,943.50
Initial HOA (3 months)$465.00
Prepaid interest, first (26 days)$482.14
Fees + prepaids$14,055.64
Your down payment is the seller’s equity. You take over the $136,187 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $346,868.87 is due at closing. Uses and sources reconcile at $483,055.64 each. Not a Closing Disclosure.