Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$247,671Cash toward the purchase price.
Closing costs + prepaids$12,833Not just lender fees.
Before credits & paid funds$260,504The complete starting cash picture.
Estimated remaining funds due at closing
$260,504No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,670.60
Your down payment$247,670.60
Closing costs + prepaids$12,832.97
Total buyer cash needed$260,503.57
Remaining funds due$260,503.57
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)$1,217.50
Initial HOA (3 months)$450.00
Prepaid interest, first (24 days)$441.47
Fees + prepaids$12,832.97
Your down payment is the seller’s equity. You take over the $202,229 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $260,503.57 is due at closing. Uses and sources reconcile at $462,732.97 each. Not a Closing Disclosure.