Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$220,135Cash toward the purchase price.
Closing costs + prepaids$13,955Not just lender fees.
Before credits & paid funds$234,090The complete starting cash picture.
Estimated remaining funds due at closing
$234,090No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,135.10
Your down payment$220,135.10
Closing costs + prepaids$13,954.63
Total buyer cash needed$234,089.73
Remaining funds due$234,089.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$1,112.50
Initial HOA (3 months)$1,521.00
Prepaid interest, first (24 days)$646.13
Fees + prepaids$13,954.63
Your down payment is the seller’s equity. You take over the $224,865 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $234,089.73 is due at closing. Uses and sources reconcile at $458,954.63 each. Not a Closing Disclosure.