Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$122,909Cash toward the purchase price.
Closing costs + prepaids$11,967Not just lender fees.
Before credits & paid funds$134,876The complete starting cash picture.
Estimated remaining funds due at closing
$134,876No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,908.79
Your down payment$122,908.79
Closing costs + prepaids$11,966.98
Total buyer cash needed$134,875.77
Remaining funds due$134,875.77
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)$328.49
Fees + prepaids$11,966.98
Your down payment is the seller’s equity. You take over the $327,591 balance, so the rest of the $450,500 price is paid at closing. A second mortgage can cover part of it. $134,875.77 is due at closing. Uses and sources reconcile at $462,466.98 each. Not a Closing Disclosure.