Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$206,088Cash toward the purchase price.
Closing costs + prepaids$12,296Not just lender fees.
Before credits & paid funds$218,384The complete starting cash picture.
Estimated remaining funds due at closing
$218,384No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,087.79
Your down payment$206,087.79
Closing costs + prepaids$12,296.15
Total buyer cash needed$218,383.95
Remaining funds due$218,383.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,540.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$503.00
Initial HOA (3 months)$200.01
Prepaid interest, first (28 days)$578.14
Fees + prepaids$12,296.15
Your down payment is the seller’s equity. You take over the $247,912 balance, so the rest of the $454,000 price is paid at closing. A second mortgage can cover part of it. $218,383.95 is due at closing. Uses and sources reconcile at $466,296.15 each. Not a Closing Disclosure.