Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$300,977Cash toward the purchase price.
Closing costs + prepaids$11,941Not just lender fees.
Before credits & paid funds$312,918The complete starting cash picture.
Estimated remaining funds due at closing
$312,918No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,976.81
Your down payment$300,976.81
Closing costs + prepaids$11,941.12
Total buyer cash needed$312,917.93
Remaining funds due$312,917.93
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)$575.00
Initial HOA (3 months)$57.00
Prepaid interest, first (15 days)$235.12
Fees + prepaids$11,941.12
Your down payment is the seller’s equity. You take over the $158,923 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $312,917.93 is due at closing. Uses and sources reconcile at $471,841.12 each. Not a Closing Disclosure.