Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$244,212Cash toward the purchase price.
Closing costs + prepaids$11,848Not just lender fees.
Before credits & paid funds$256,060The complete starting cash picture.
Estimated remaining funds due at closing
$256,060No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,211.95
Your down payment$244,211.95
Closing costs + prepaids$11,848.37
Total buyer cash needed$256,060.32
Remaining funds due$256,060.32
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)$495.75
Initial HOA (3 months)$159.99
Prepaid interest, first (27 days)$468.63
Fees + prepaids$11,848.37
Your down payment is the seller’s equity. You take over the $205,688 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $256,060.32 is due at closing. Uses and sources reconcile at $461,748.37 each. Not a Closing Disclosure.