Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$258,924Cash toward the purchase price.
Closing costs + prepaids$12,313Not just lender fees.
Before credits & paid funds$271,237The complete starting cash picture.
Estimated remaining funds due at closing
$271,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,923.53
Your down payment$258,923.53
Closing costs + prepaids$12,313.12
Total buyer cash needed$271,236.65
Remaining funds due$271,236.65
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)$973.75
Initial HOA (3 months)$195.00
Prepaid interest, first (29 days)$519.37
Fees + prepaids$12,313.12
Your down payment is the seller’s equity. You take over the $181,076 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $271,236.65 is due at closing. Uses and sources reconcile at $452,313.12 each. Not a Closing Disclosure.