Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$201,943Cash toward the purchase price.
Closing costs + prepaids$11,981Not just lender fees.
Before credits & paid funds$213,924The complete starting cash picture.
Estimated remaining funds due at closing
$213,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,942.83
Your down payment$201,942.83
Closing costs + prepaids$11,980.75
Total buyer cash needed$213,923.57
Remaining funds due$213,923.57
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)$643.75
Initial HOA (3 months)$150.00
Prepaid interest, first (22 days)$462.00
Fees + prepaids$11,980.75
Your down payment is the seller’s equity. You take over the $248,057 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $213,923.57 is due at closing. Uses and sources reconcile at $461,980.75 each. Not a Closing Disclosure.