Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$362,929Cash toward the purchase price.
Closing costs + prepaids$12,081Not just lender fees.
Before credits & paid funds$375,010The complete starting cash picture.
Estimated remaining funds due at closing
$375,010No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$362,929.19
Your down payment$362,929.19
Closing costs + prepaids$12,081.17
Total buyer cash needed$375,010.36
Remaining funds due$375,010.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,670.00
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)$549.50
Initial HOA (3 months)$83.01
Prepaid interest, first (30 days)$303.66
Fees + prepaids$12,081.17
Your down payment is the seller’s equity. You take over the $104,071 balance, so the rest of the $467,000 price is paid at closing. A second mortgage can cover part of it. $375,010.36 is due at closing. Uses and sources reconcile at $479,081.17 each. Not a Closing Disclosure.