Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$318,898Cash toward the purchase price.
Closing costs + prepaids$12,392Not just lender fees.
Before credits & paid funds$331,289The complete starting cash picture.
Estimated remaining funds due at closing
$331,289No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$318,897.81
Your down payment$318,897.81
Closing costs + prepaids$12,391.69
Total buyer cash needed$331,289.50
Remaining funds due$331,289.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$775.25
Initial HOA (3 months)$135.51
Prepaid interest, first (26 days)$355.93
Fees + prepaids$12,391.69
Your down payment is the seller’s equity. You take over the $146,102 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $331,289.50 is due at closing. Uses and sources reconcile at $477,391.69 each. Not a Closing Disclosure.