Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$288,420Cash toward the purchase price.
Closing costs + prepaids$12,534Not just lender fees.
Before credits & paid funds$300,954The complete starting cash picture.
Estimated remaining funds due at closing
$300,954No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$288,419.70
Your down payment$288,419.70
Closing costs + prepaids$12,534.44
Total buyer cash needed$300,954.13
Remaining funds due$300,954.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,339.00
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)$1,418.50
Initial HOA (3 months)$75.00
Prepaid interest, first (31 days)$476.94
Fees + prepaids$12,534.44
Your down payment is the seller’s equity. You take over the $145,480 balance, so the rest of the $433,900 price is paid at closing. A second mortgage can cover part of it. $300,954.13 is due at closing. Uses and sources reconcile at $446,434.44 each. Not a Closing Disclosure.