Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$339,543Cash toward the purchase price.
Closing costs + prepaids$11,698Not just lender fees.
Before credits & paid funds$351,241The complete starting cash picture.
Estimated remaining funds due at closing
$351,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$339,543.46
Your down payment$339,543.46
Closing costs + prepaids$11,697.80
Total buyer cash needed$351,241.26
Remaining funds due$351,241.26
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)$456.75
Initial HOA (3 months)$153.00
Prepaid interest, first (31 days)$363.05
Fees + prepaids$11,697.80
Your down payment is the seller’s equity. You take over the $110,457 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $351,241.26 is due at closing. Uses and sources reconcile at $461,697.80 each. Not a Closing Disclosure.