Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$259,482Cash toward the purchase price.
Closing costs + prepaids$12,461Not just lender fees.
Before credits & paid funds$271,943The complete starting cash picture.
Estimated remaining funds due at closing
$271,943No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,481.76
Your down payment$259,481.76
Closing costs + prepaids$12,460.78
Total buyer cash needed$271,942.54
Remaining funds due$271,942.54
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)$1,258.25
Initial HOA (3 months)$114.24
Prepaid interest, first (24 days)$363.29
Fees + prepaids$12,460.78
Your down payment is the seller’s equity. You take over the $190,518 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $271,942.54 is due at closing. Uses and sources reconcile at $462,460.78 each. Not a Closing Disclosure.