Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$358,262Cash toward the purchase price.
Closing costs + prepaids$12,028Not just lender fees.
Before credits & paid funds$370,289The complete starting cash picture.
Estimated remaining funds due at closing
$370,289No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$358,261.67
Your down payment$358,261.67
Closing costs + prepaids$12,027.64
Total buyer cash needed$370,289.30
Remaining funds due$370,289.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$758.50
Initial HOA (3 months)$330.00
Prepaid interest, first (19 days)$215.14
Fees + prepaids$12,027.64
Your down payment is the seller’s equity. You take over the $91,638 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $370,289.30 is due at closing. Uses and sources reconcile at $461,927.64 each. Not a Closing Disclosure.