Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$239,248Cash toward the purchase price.
Closing costs + prepaids$12,378Not just lender fees.
Before credits & paid funds$251,626The complete starting cash picture.
Estimated remaining funds due at closing
$251,626No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,248.29
Your down payment$239,248.29
Closing costs + prepaids$12,377.91
Total buyer cash needed$251,626.20
Remaining funds due$251,626.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$980.25
Initial HOA (3 months)$18.75
Prepaid interest, first (25 days)$653.91
Fees + prepaids$12,377.91
Your down payment is the seller’s equity. You take over the $210,752 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $251,626.20 is due at closing. Uses and sources reconcile at $462,377.91 each. Not a Closing Disclosure.