Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$330,212Cash toward the purchase price.
Closing costs + prepaids$12,020Not just lender fees.
Before credits & paid funds$342,232The complete starting cash picture.
Estimated remaining funds due at closing
$342,232No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,212.14
Your down payment$330,212.14
Closing costs + prepaids$12,019.68
Total buyer cash needed$342,231.82
Remaining funds due$342,231.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,595.00
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)$539.50
Prepaid interest, first (30 days)$410.18
Fees + prepaids$12,019.68
Your down payment is the seller’s equity. You take over the $129,288 balance, so the rest of the $459,500 price is paid at closing. A second mortgage can cover part of it. $342,231.82 is due at closing. Uses and sources reconcile at $471,519.68 each. Not a Closing Disclosure.