Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$237,155Cash toward the purchase price.
Closing costs + prepaids$13,052Not just lender fees.
Before credits & paid funds$250,206The complete starting cash picture.
Estimated remaining funds due at closing
$250,206No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,154.65
Your down payment$237,154.65
Closing costs + prepaids$13,051.72
Total buyer cash needed$250,206.37
Remaining funds due$250,206.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.90
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)$2,010.75
Initial HOA (3 months)$37.74
Prepaid interest, first (23 days)$378.33
Fees + prepaids$13,051.72
Your down payment is the seller’s equity. You take over the $202,835 balance, so the rest of the $439,990 price is paid at closing. A second mortgage can cover part of it. $250,206.37 is due at closing. Uses and sources reconcile at $453,041.72 each. Not a Closing Disclosure.