Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$234,475Cash toward the purchase price.
Closing costs + prepaids$12,292Not just lender fees.
Before credits & paid funds$246,767The complete starting cash picture.
Estimated remaining funds due at closing
$246,767No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,474.79
Your down payment$234,474.79
Closing costs + prepaids$12,292.27
Total buyer cash needed$246,767.06
Remaining funds due$246,767.06
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)$1,125.00
Initial HOA (3 months)$399.99
Prepaid interest, first (2 days)$42.28
Fees + prepaids$12,292.27
Your down payment is the seller’s equity. You take over the $215,525 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $246,767.06 is due at closing. Uses and sources reconcile at $462,292.27 each. Not a Closing Disclosure.