Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$379,957Cash toward the purchase price.
Closing costs + prepaids$11,764Not just lender fees.
Before credits & paid funds$391,721The complete starting cash picture.
Estimated remaining funds due at closing
$391,721No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$379,957.46
Your down payment$379,957.46
Closing costs + prepaids$11,763.77
Total buyer cash needed$391,721.23
Remaining funds due$391,721.23
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)$435.25
Initial HOA (3 months)$234.00
Prepaid interest, first (29 days)$369.52
Fees + prepaids$11,763.77
Your down payment is the seller’s equity. You take over the $70,043 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $391,721.23 is due at closing. Uses and sources reconcile at $461,763.77 each. Not a Closing Disclosure.