Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$326,633Cash toward the purchase price.
Closing costs + prepaids$11,901Not just lender fees.
Before credits & paid funds$338,534The complete starting cash picture.
Estimated remaining funds due at closing
$338,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,632.50
Your down payment$326,632.50
Closing costs + prepaids$11,901.35
Total buyer cash needed$338,533.85
Remaining funds due$338,533.85
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)$554.75
Initial HOA (3 months)$375.00
Prepaid interest, first (19 days)$246.60
Fees + prepaids$11,901.35
Your down payment is the seller’s equity. You take over the $123,367 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $338,533.85 is due at closing. Uses and sources reconcile at $461,901.35 each. Not a Closing Disclosure.