Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$231,891Cash toward the purchase price.
Closing costs + prepaids$13,252Not just lender fees.
Before credits & paid funds$245,144The complete starting cash picture.
Estimated remaining funds due at closing
$245,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,891.08
Your down payment$231,891.08
Closing costs + prepaids$13,252.42
Total buyer cash needed$245,143.50
Remaining funds due$245,143.50
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)$1,124.75
Initial HOA (3 months)$936.00
Prepaid interest, first (27 days)$467.67
Fees + prepaids$13,252.42
Your down payment is the seller’s equity. You take over the $218,009 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $245,143.50 is due at closing. Uses and sources reconcile at $463,152.42 each. Not a Closing Disclosure.