Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$245,658Cash toward the purchase price.
Closing costs + prepaids$13,382Not just lender fees.
Before credits & paid funds$259,041The complete starting cash picture.
Estimated remaining funds due at closing
$259,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,658.11
Your down payment$245,658.11
Closing costs + prepaids$13,382.45
Total buyer cash needed$259,040.57
Remaining funds due$259,040.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,947.88
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)$1,025.00
Initial HOA (3 months)$1,473.00
Prepaid interest, first (28 days)$711.57
Fees + prepaids$13,382.45
Your down payment is the seller’s equity. You take over the $149,130 balance, so the rest of the $394,788 price is paid at closing. A second mortgage can cover part of it. $259,040.57 is due at closing. Uses and sources reconcile at $408,170.45 each. Not a Closing Disclosure.