Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$270,849Cash toward the purchase price.
Closing costs + prepaids$11,910Not just lender fees.
Before credits & paid funds$282,759The complete starting cash picture.
Estimated remaining funds due at closing
$282,759No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,848.92
Your down payment$270,848.92
Closing costs + prepaids$11,909.87
Total buyer cash needed$282,758.79
Remaining funds due$282,758.79
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)$748.00
Initial HOA (3 months)$72.51
Prepaid interest, first (28 days)$365.36
Fees + prepaids$11,909.87
Your down payment is the seller’s equity. You take over the $179,051 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $282,758.79 is due at closing. Uses and sources reconcile at $461,809.87 each. Not a Closing Disclosure.