Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$246,989Cash toward the purchase price.
Closing costs + prepaids$12,393Not just lender fees.
Before credits & paid funds$259,382The complete starting cash picture.
Estimated remaining funds due at closing
$259,382No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,989.00
Your down payment$246,989.00
Closing costs + prepaids$12,392.68
Total buyer cash needed$259,381.68
Remaining funds due$259,381.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,398.99
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)$1,037.00
Initial HOA (3 months)$81.24
Prepaid interest, first (31 days)$650.45
Fees + prepaids$12,392.68
Your down payment is the seller’s equity. You take over the $192,910 balance, so the rest of the $439,899 price is paid at closing. A second mortgage can cover part of it. $259,381.68 is due at closing. Uses and sources reconcile at $452,291.68 each. Not a Closing Disclosure.