Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$323,711Cash toward the purchase price.
Closing costs + prepaids$12,174Not just lender fees.
Before credits & paid funds$335,885The complete starting cash picture.
Estimated remaining funds due at closing
$335,885No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,711.03
Your down payment$323,711.03
Closing costs + prepaids$12,174.31
Total buyer cash needed$335,885.35
Remaining funds due$335,885.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.99
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)$1,015.50
Initial HOA (3 months)$87.00
Prepaid interest, first (28 days)$346.82
Fees + prepaids$12,174.31
Your down payment is the seller’s equity. You take over the $126,288 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $335,885.35 is due at closing. Uses and sources reconcile at $462,173.31 each. Not a Closing Disclosure.