Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$313,508Cash toward the purchase price.
Closing costs + prepaids$11,444Not just lender fees.
Before credits & paid funds$324,952The complete starting cash picture.
Estimated remaining funds due at closing
$324,952No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,508.08
Your down payment$313,508.08
Closing costs + prepaids$11,444.35
Total buyer cash needed$324,952.43
Remaining funds due$324,952.43
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)$530.75
Initial HOA (3 months)$185.01
Prepaid interest, first (1 days)$13.59
Fees + prepaids$11,444.35
Your down payment is the seller’s equity. You take over the $135,492 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $324,952.43 is due at closing. Uses and sources reconcile at $460,444.35 each. Not a Closing Disclosure.