Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$277,136Cash toward the purchase price.
Closing costs + prepaids$11,496Not just lender fees.
Before credits & paid funds$288,632The complete starting cash picture.
Estimated remaining funds due at closing
$288,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,135.93
Your down payment$277,135.93
Closing costs + prepaids$11,495.57
Total buyer cash needed$288,631.50
Remaining funds due$288,631.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$303.00
Initial HOA (3 months)$84.00
Prepaid interest, first (30 days)$493.57
Fees + prepaids$11,495.57
Your down payment is the seller’s equity. You take over the $161,864 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $288,631.50 is due at closing. Uses and sources reconcile at $450,495.57 each. Not a Closing Disclosure.