Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$227,842Cash toward the purchase price.
Closing costs + prepaids$12,215Not just lender fees.
Before credits & paid funds$240,057The complete starting cash picture.
Estimated remaining funds due at closing
$240,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,842.21
Your down payment$227,842.21
Closing costs + prepaids$12,215.21
Total buyer cash needed$240,057.42
Remaining funds due$240,057.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$1,414.75
Initial HOA (3 months)$27.99
Prepaid interest, first (2 days)$47.47
Fees + prepaids$12,215.21
Your down payment is the seller’s equity. You take over the $222,158 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $240,057.42 is due at closing. Uses and sources reconcile at $462,215.21 each. Not a Closing Disclosure.