Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$303,936Cash toward the purchase price.
Closing costs + prepaids$11,602Not just lender fees.
Before credits & paid funds$315,537The complete starting cash picture.
Estimated remaining funds due at closing
$315,537No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$303,935.82
Your down payment$303,935.82
Closing costs + prepaids$11,601.63
Total buyer cash needed$315,537.44
Remaining funds due$315,537.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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 (20 days)$270.87
Fees + prepaids$11,601.63
Your down payment is the seller’s equity. You take over the $135,064 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $315,537.44 is due at closing. Uses and sources reconcile at $450,601.63 each. Not a Closing Disclosure.