Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$240,730Cash toward the purchase price.
Closing costs + prepaids$12,285Not just lender fees.
Before credits & paid funds$253,014The complete starting cash picture.
Estimated remaining funds due at closing
$253,014No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,729.50
Your down payment$240,729.50
Closing costs + prepaids$12,284.78
Total buyer cash needed$253,014.28
Remaining funds due$253,014.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,539.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$404.50
Initial HOA (3 months)$87.00
Prepaid interest, first (30 days)$778.29
Fees + prepaids$12,284.78
Your down payment is the seller’s equity. You take over the $213,269 balance, so the rest of the $453,999 price is paid at closing. A second mortgage can cover part of it. $253,014.28 is due at closing. Uses and sources reconcile at $466,283.78 each. Not a Closing Disclosure.