Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$206,053Cash toward the purchase price.
Closing costs + prepaids$12,701Not just lender fees.
Before credits & paid funds$218,754The complete starting cash picture.
Estimated remaining funds due at closing
$218,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,053.39
Your down payment$206,053.39
Closing costs + prepaids$12,700.69
Total buyer cash needed$218,754.08
Remaining funds due$218,754.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,570.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,085.75
Initial HOA (3 months)$96.51
Prepaid interest, first (22 days)$473.43
Fees + prepaids$12,700.69
Your down payment is the seller’s equity. You take over the $250,947 balance, so the rest of the $457,000 price is paid at closing. A second mortgage can cover part of it. $218,754.08 is due at closing. Uses and sources reconcile at $469,700.69 each. Not a Closing Disclosure.