Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$119,285Cash toward the purchase price.
Closing costs + prepaids$13,682Not just lender fees.
Before credits & paid funds$132,968The complete starting cash picture.
Estimated remaining funds due at closing
$132,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,285.35
Your down payment$119,285.35
Closing costs + prepaids$13,682.28
Total buyer cash needed$132,967.64
Remaining funds due$132,967.64
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)$1,932.00
Initial HOA (3 months)$21.75
Prepaid interest, first (22 days)$1,013.53
Fees + prepaids$13,682.28
Your down payment is the seller’s equity. You take over the $329,715 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $132,967.64 is due at closing. Uses and sources reconcile at $462,682.28 each. Not a Closing Disclosure.