Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$205,236Cash toward the purchase price.
Closing costs + prepaids$13,312Not just lender fees.
Before credits & paid funds$218,548The complete starting cash picture.
Estimated remaining funds due at closing
$218,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,236.07
Your down payment$205,236.07
Closing costs + prepaids$13,311.98
Total buyer cash needed$218,548.06
Remaining funds due$218,548.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,590.00
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)$1,147.50
Initial HOA (3 months)$606.00
Prepaid interest, first (26 days)$493.48
Fees + prepaids$13,311.98
Your down payment is the seller’s equity. You take over the $253,764 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $218,548.06 is due at closing. Uses and sources reconcile at $472,311.98 each. Not a Closing Disclosure.