Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$261,754Cash toward the purchase price.
Closing costs + prepaids$11,807Not just lender fees.
Before credits & paid funds$273,561The complete starting cash picture.
Estimated remaining funds due at closing
$273,561No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,753.62
Your down payment$261,753.62
Closing costs + prepaids$11,807.35
Total buyer cash needed$273,560.97
Remaining funds due$273,560.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$654.75
Initial HOA (3 months)$207.00
Prepaid interest, first (23 days)$330.60
Fees + prepaids$11,807.35
Your down payment is the seller’s equity. You take over the $177,246 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $273,560.97 is due at closing. Uses and sources reconcile at $450,807.35 each. Not a Closing Disclosure.