Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$335,031Cash toward the purchase price.
Closing costs + prepaids$12,191Not just lender fees.
Before credits & paid funds$347,222The complete starting cash picture.
Estimated remaining funds due at closing
$347,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$335,030.89
Your down payment$335,030.89
Closing costs + prepaids$12,190.61
Total buyer cash needed$347,221.50
Remaining funds due$347,221.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$689.50
Initial HOA (3 months)$150.00
Prepaid interest, first (18 days)$277.11
Fees + prepaids$12,190.61
Your down payment is the seller’s equity. You take over the $124,869 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $347,221.50 is due at closing. Uses and sources reconcile at $472,090.61 each. Not a Closing Disclosure.