Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$337,836Cash toward the purchase price.
Closing costs + prepaids$12,400Not just lender fees.
Before credits & paid funds$350,236The complete starting cash picture.
Estimated remaining funds due at closing
$350,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$337,835.95
Your down payment$337,835.95
Closing costs + prepaids$12,399.88
Total buyer cash needed$350,235.83
Remaining funds due$350,235.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,690.00
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)$504.75
Initial HOA (3 months)$287.01
Prepaid interest, first (19 days)$443.12
Fees + prepaids$12,399.88
Your down payment is the seller’s equity. You take over the $131,164 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $350,235.83 is due at closing. Uses and sources reconcile at $481,399.88 each. Not a Closing Disclosure.