Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$309,641Cash toward the purchase price.
Closing costs + prepaids$12,095Not just lender fees.
Before credits & paid funds$321,736The complete starting cash picture.
Estimated remaining funds due at closing
$321,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,641.28
Your down payment$309,641.28
Closing costs + prepaids$12,094.91
Total buyer cash needed$321,736.19
Remaining funds due$321,736.19
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)$562.75
Initial HOA (3 months)$234.00
Prepaid interest, first (10 days)$133.16
Fees + prepaids$12,094.91
Your down payment is the seller’s equity. You take over the $159,359 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $321,736.19 is due at closing. Uses and sources reconcile at $481,094.91 each. Not a Closing Disclosure.