Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$231,604Cash toward the purchase price.
Closing costs + prepaids$12,831Not just lender fees.
Before credits & paid funds$244,435The complete starting cash picture.
Estimated remaining funds due at closing
$244,435No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,604.32
Your down payment$231,604.32
Closing costs + prepaids$12,831.12
Total buyer cash needed$244,435.44
Remaining funds due$244,435.44
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)$1,501.50
Initial HOA (3 months)$50.01
Prepaid interest, first (31 days)$554.61
Fees + prepaids$12,831.12
Your down payment is the seller’s equity. You take over the $218,396 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $244,435.44 is due at closing. Uses and sources reconcile at $462,831.12 each. Not a Closing Disclosure.