Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$266,051Cash toward the purchase price.
Closing costs + prepaids$11,369Not just lender fees.
Before credits & paid funds$277,420The complete starting cash picture.
Estimated remaining funds due at closing
$277,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,050.96
Your down payment$266,050.96
Closing costs + prepaids$11,368.55
Total buyer cash needed$277,419.51
Remaining funds due$277,419.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.90
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)$225.25
Initial HOA (3 months)$492.00
Prepaid interest, first (1 days)$26.40
Fees + prepaids$11,368.55
Your down payment is the seller’s equity. You take over the $173,939 balance, so the rest of the $439,990 price is paid at closing. A second mortgage can cover part of it. $277,419.51 is due at closing. Uses and sources reconcile at $451,358.55 each. Not a Closing Disclosure.