Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$223,837Cash toward the purchase price.
Closing costs + prepaids$13,306Not just lender fees.
Before credits & paid funds$237,143The complete starting cash picture.
Estimated remaining funds due at closing
$237,143No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,836.99
Your down payment$223,836.99
Closing costs + prepaids$13,306.36
Total buyer cash needed$237,143.35
Remaining funds due$237,143.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$1,124.75
Initial HOA (3 months)$750.00
Prepaid interest, first (25 days)$707.61
Fees + prepaids$13,306.36
Your down payment is the seller’s equity. You take over the $226,063 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $237,143.35 is due at closing. Uses and sources reconcile at $463,206.36 each. Not a Closing Disclosure.