Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$245,258Cash toward the purchase price.
Closing costs + prepaids$12,997Not just lender fees.
Before credits & paid funds$258,255The complete starting cash picture.
Estimated remaining funds due at closing
$258,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,258.15
Your down payment$245,258.15
Closing costs + prepaids$12,997.12
Total buyer cash needed$258,255.27
Remaining funds due$258,255.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$1,074.75
Initial HOA (3 months)$948.00
Prepaid interest, first (29 days)$450.37
Fees + prepaids$12,997.12
Your down payment is the seller’s equity. You take over the $184,642 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $258,255.27 is due at closing. Uses and sources reconcile at $442,897.12 each. Not a Closing Disclosure.