Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$211,030Cash toward the purchase price.
Closing costs + prepaids$12,021Not just lender fees.
Before credits & paid funds$223,052The complete starting cash picture.
Estimated remaining funds due at closing
$223,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,030.30
Your down payment$211,030.30
Closing costs + prepaids$12,021.29
Total buyer cash needed$223,051.59
Remaining funds due$223,051.59
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)$395.75
Initial HOA (3 months)$170.01
Prepaid interest, first (27 days)$731.53
Fees + prepaids$12,021.29
Your down payment is the seller’s equity. You take over the $238,870 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $223,051.59 is due at closing. Uses and sources reconcile at $461,921.29 each. Not a Closing Disclosure.