Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$239,295Cash toward the purchase price.
Closing costs + prepaids$12,161Not just lender fees.
Before credits & paid funds$251,456The complete starting cash picture.
Estimated remaining funds due at closing
$251,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,295.33
Your down payment$239,295.33
Closing costs + prepaids$12,161.05
Total buyer cash needed$251,456.38
Remaining funds due$251,456.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,380.00
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)$719.75
Initial HOA (3 months)$195.00
Prepaid interest, first (31 days)$641.30
Fees + prepaids$12,161.05
Your down payment is the seller’s equity. You take over the $198,705 balance, so the rest of the $438,000 price is paid at closing. A second mortgage can cover part of it. $251,456.38 is due at closing. Uses and sources reconcile at $450,161.05 each. Not a Closing Disclosure.