Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$134,654Cash toward the purchase price.
Closing costs + prepaids$11,783Not just lender fees.
Before credits & paid funds$146,437The complete starting cash picture.
Estimated remaining funds due at closing
$146,437No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,653.95
Your down payment$134,653.95
Closing costs + prepaids$11,783.40
Total buyer cash needed$146,437.35
Remaining funds due$146,437.35
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)$225.00
Prepaid interest, first (12 days)$293.40
Fees + prepaids$11,783.40
Your down payment is the seller’s equity. You take over the $315,346 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $146,437.35 is due at closing. Uses and sources reconcile at $461,783.40 each. Not a Closing Disclosure.