Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$266,581Cash toward the purchase price.
Closing costs + prepaids$14,210Not just lender fees.
Before credits & paid funds$280,791The complete starting cash picture.
Estimated remaining funds due at closing
$280,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,580.79
Your down payment$266,580.79
Closing costs + prepaids$14,209.88
Total buyer cash needed$280,790.67
Remaining funds due$280,790.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$1,125.00
Initial HOA (3 months)$1,866.00
Prepaid interest, first (27 days)$493.88
Fees + prepaids$14,209.88
Your down payment is the seller’s equity. You take over the $183,419 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $280,790.67 is due at closing. Uses and sources reconcile at $464,209.88 each. Not a Closing Disclosure.