Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$302,460Cash toward the purchase price.
Closing costs + prepaids$12,141Not just lender fees.
Before credits & paid funds$314,601The complete starting cash picture.
Estimated remaining funds due at closing
$314,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,459.71
Your down payment$302,459.71
Closing costs + prepaids$12,141.09
Total buyer cash needed$314,600.80
Remaining funds due$314,600.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,590.00
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)$511.00
Initial HOA (3 months)$176.01
Prepaid interest, first (24 days)$389.08
Fees + prepaids$12,141.09
Your down payment is the seller’s equity. You take over the $156,540 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $314,600.80 is due at closing. Uses and sources reconcile at $471,141.09 each. Not a Closing Disclosure.