Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$246,292Cash toward the purchase price.
Closing costs + prepaids$11,828Not just lender fees.
Before credits & paid funds$258,120The complete starting cash picture.
Estimated remaining funds due at closing
$258,120No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,291.96
Your down payment$246,291.96
Closing costs + prepaids$11,827.57
Total buyer cash needed$258,119.52
Remaining funds due$258,119.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$400.25
Initial HOA (3 months)$186.00
Prepaid interest, first (27 days)$526.32
Fees + prepaids$11,827.57
Your down payment is the seller’s equity. You take over the $202,708 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $258,119.52 is due at closing. Uses and sources reconcile at $460,827.57 each. Not a Closing Disclosure.