Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$105,157Cash toward the purchase price.
Closing costs + prepaids$12,304Not just lender fees.
Before credits & paid funds$117,461The complete starting cash picture.
Estimated remaining funds due at closing
$117,461No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,157.20
Your down payment$105,157.20
Closing costs + prepaids$12,303.58
Total buyer cash needed$117,460.78
Remaining funds due$117,460.78
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)$540.00
Initial HOA (3 months)$720.00
Prepaid interest, first (12 days)$318.58
Fees + prepaids$12,303.58
Your down payment is the seller’s equity. You take over the $344,843 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $117,460.78 is due at closing. Uses and sources reconcile at $462,303.58 each. Not a Closing Disclosure.