Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$244,496Cash toward the purchase price.
Closing costs + prepaids$12,437Not just lender fees.
Before credits & paid funds$256,933The complete starting cash picture.
Estimated remaining funds due at closing
$256,933No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,495.72
Your down payment$244,495.72
Closing costs + prepaids$12,437.43
Total buyer cash needed$256,933.15
Remaining funds due$256,933.15
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)$1,018.25
Initial HOA (3 months)$317.01
Prepaid interest, first (24 days)$378.17
Fees + prepaids$12,437.43
Your down payment is the seller’s equity. You take over the $205,404 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $256,933.15 is due at closing. Uses and sources reconcile at $462,337.43 each. Not a Closing Disclosure.