Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$248,247Cash toward the purchase price.
Closing costs + prepaids$11,764Not just lender fees.
Before credits & paid funds$260,011The complete starting cash picture.
Estimated remaining funds due at closing
$260,011No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,247.22
Your down payment$248,247.22
Closing costs + prepaids$11,763.91
Total buyer cash needed$260,011.13
Remaining funds due$260,011.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$661.50
Initial HOA (3 months)$69.00
Prepaid interest, first (26 days)$408.41
Fees + prepaids$11,763.91
Your down payment is the seller’s equity. You take over the $191,753 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $260,011.13 is due at closing. Uses and sources reconcile at $451,763.91 each. Not a Closing Disclosure.