Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$245,901Cash toward the purchase price.
Closing costs + prepaids$12,531Not just lender fees.
Before credits & paid funds$258,432The complete starting cash picture.
Estimated remaining funds due at closing
$258,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,901.43
Your down payment$245,901.43
Closing costs + prepaids$12,530.96
Total buyer cash needed$258,432.38
Remaining funds due$258,432.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$1,353.25
Initial HOA (3 months)$200.01
Prepaid interest, first (24 days)$453.70
Fees + prepaids$12,530.96
Your down payment is the seller’s equity. You take over the $183,999 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $258,432.38 is due at closing. Uses and sources reconcile at $442,430.96 each. Not a Closing Disclosure.