Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$251,827Cash toward the purchase price.
Closing costs + prepaids$12,235Not just lender fees.
Before credits & paid funds$264,062The complete starting cash picture.
Estimated remaining funds due at closing
$264,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,827.12
Your down payment$251,827.12
Closing costs + prepaids$12,235.26
Total buyer cash needed$264,062.38
Remaining funds due$264,062.38
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)$820.75
Initial HOA (3 months)$195.00
Prepaid interest, first (23 days)$494.51
Fees + prepaids$12,235.26
Your down payment is the seller’s equity. You take over the $198,173 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $264,062.38 is due at closing. Uses and sources reconcile at $462,235.26 each. Not a Closing Disclosure.