Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$361,665Cash toward the purchase price.
Closing costs + prepaids$12,271Not just lender fees.
Before credits & paid funds$373,936The complete starting cash picture.
Estimated remaining funds due at closing
$373,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$361,664.60
Your down payment$361,664.60
Closing costs + prepaids$12,271.06
Total buyer cash needed$373,935.66
Remaining funds due$373,935.66
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)$716.00
Initial HOA (3 months)$129.00
Prepaid interest, first (26 days)$301.06
Fees + prepaids$12,271.06
Your down payment is the seller’s equity. You take over the $103,335 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $373,935.66 is due at closing. Uses and sources reconcile at $477,271.06 each. Not a Closing Disclosure.