Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$122,560Cash toward the purchase price.
Closing costs + prepaids$11,974Not just lender fees.
Before credits & paid funds$134,533The complete starting cash picture.
Estimated remaining funds due at closing
$134,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,559.55
Your down payment$122,559.55
Closing costs + prepaids$11,973.80
Total buyer cash needed$134,533.35
Remaining funds due$134,533.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,505.00
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)$540.50
Initial HOA (3 months)$117.99
Prepaid interest, first (12 days)$335.31
Fees + prepaids$11,973.80
Your down payment is the seller’s equity. You take over the $327,940 balance, so the rest of the $450,500 price is paid at closing. A second mortgage can cover part of it. $134,533.35 is due at closing. Uses and sources reconcile at $462,473.80 each. Not a Closing Disclosure.