Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$339,107Cash toward the purchase price.
Closing costs + prepaids$11,347Not just lender fees.
Before credits & paid funds$350,454The complete starting cash picture.
Estimated remaining funds due at closing
$350,454No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$339,107.37
Your down payment$339,107.37
Closing costs + prepaids$11,346.51
Total buyer cash needed$350,453.88
Remaining funds due$350,453.88
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)$456.75
Initial HOA (3 months)$153.00
Prepaid interest, first (1 days)$11.76
Fees + prepaids$11,346.51
Your down payment is the seller’s equity. You take over the $110,893 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $350,453.88 is due at closing. Uses and sources reconcile at $461,346.51 each. Not a Closing Disclosure.