Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$337,223Cash toward the purchase price.
Closing costs + prepaids$12,004Not just lender fees.
Before credits & paid funds$349,227The complete starting cash picture.
Estimated remaining funds due at closing
$349,227No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$337,222.93
Your down payment$337,222.93
Closing costs + prepaids$12,003.62
Total buyer cash needed$349,226.55
Remaining funds due$349,226.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,690.00
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)$504.75
Initial HOA (3 months)$287.01
Prepaid interest, first (2 days)$46.86
Fees + prepaids$12,003.62
Your down payment is the seller’s equity. You take over the $131,777 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $349,226.55 is due at closing. Uses and sources reconcile at $481,003.62 each. Not a Closing Disclosure.