Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$333,745Cash toward the purchase price.
Closing costs + prepaids$11,876Not just lender fees.
Before credits & paid funds$345,621The complete starting cash picture.
Estimated remaining funds due at closing
$345,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,744.98
Your down payment$333,744.98
Closing costs + prepaids$11,875.98
Total buyer cash needed$345,620.96
Remaining funds due$345,620.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$763.75
Initial HOA (3 months)$57.00
Prepaid interest, first (27 days)$330.23
Fees + prepaids$11,875.98
Your down payment is the seller’s equity. You take over the $116,255 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $345,620.96 is due at closing. Uses and sources reconcile at $461,875.98 each. Not a Closing Disclosure.