Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$179,215Cash toward the purchase price.
Closing costs + prepaids$11,607Not just lender fees.
Before credits & paid funds$190,822The complete starting cash picture.
Estimated remaining funds due at closing
$190,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,215.42
Your down payment$179,215.42
Closing costs + prepaids$11,606.80
Total buyer cash needed$190,822.22
Remaining funds due$190,822.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$634.50
Initial HOA (3 months)$306.00
Prepaid interest, first (2 days)$41.30
Fees + prepaids$11,606.80
Your down payment is the seller’s equity. You take over the $260,785 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $190,822.22 is due at closing. Uses and sources reconcile at $451,606.80 each. Not a Closing Disclosure.