Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$203,587Cash toward the purchase price.
Closing costs + prepaids$13,507Not just lender fees.
Before credits & paid funds$217,094The complete starting cash picture.
Estimated remaining funds due at closing
$217,094No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,587.32
Your down payment$203,587.32
Closing costs + prepaids$13,507.15
Total buyer cash needed$217,094.47
Remaining funds due$217,094.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$1,112.50
Initial HOA (3 months)$1,140.00
Prepaid interest, first (28 days)$579.65
Fees + prepaids$13,507.15
Your down payment is the seller’s equity. You take over the $241,413 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $217,094.47 is due at closing. Uses and sources reconcile at $458,507.15 each. Not a Closing Disclosure.