Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$322,176Cash toward the purchase price.
Closing costs + prepaids$12,410Not just lender fees.
Before credits & paid funds$334,586The complete starting cash picture.
Estimated remaining funds due at closing
$334,586No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$322,175.91
Your down payment$322,175.91
Closing costs + prepaids$12,409.72
Total buyer cash needed$334,585.63
Remaining funds due$334,585.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,550.00
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)$1,359.50
Prepaid interest, first (1 days)$25.22
Fees + prepaids$12,409.72
Your down payment is the seller’s equity. You take over the $132,824 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $334,585.63 is due at closing. Uses and sources reconcile at $467,409.72 each. Not a Closing Disclosure.