Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$280,065Cash toward the purchase price.
Closing costs + prepaids$12,401Not just lender fees.
Before credits & paid funds$292,466The complete starting cash picture.
Estimated remaining funds due at closing
$292,466No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$280,065.33
Your down payment$280,065.33
Closing costs + prepaids$12,401.14
Total buyer cash needed$292,466.47
Remaining funds due$292,466.47
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)$1,001.50
Initial HOA (3 months)$147.99
Prepaid interest, first (27 days)$527.65
Fees + prepaids$12,401.14
Your down payment is the seller’s equity. You take over the $169,835 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $292,466.47 is due at closing. Uses and sources reconcile at $462,301.14 each. Not a Closing Disclosure.