Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$257,786Cash toward the purchase price.
Closing costs + prepaids$11,388Not just lender fees.
Before credits & paid funds$269,173The complete starting cash picture.
Estimated remaining funds due at closing
$269,173No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,785.89
Your down payment$257,785.89
Closing costs + prepaids$11,387.59
Total buyer cash needed$269,173.48
Remaining funds due$269,173.48
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)$510.25
Initial HOA (3 months)$213.00
Prepaid interest, first (2 days)$39.34
Fees + prepaids$11,387.59
Your down payment is the seller’s equity. You take over the $182,214 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $269,173.48 is due at closing. Uses and sources reconcile at $451,387.59 each. Not a Closing Disclosure.