Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$261,754Cash toward the purchase price.
Closing costs + prepaids$11,922Not just lender fees.
Before credits & paid funds$273,676The complete starting cash picture.
Estimated remaining funds due at closing
$273,676No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,753.62
Your down payment$261,753.62
Closing costs + prepaids$11,922.34
Total buyer cash needed$273,675.96
Remaining funds due$273,675.96
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)$654.75
Initial HOA (3 months)$207.00
Prepaid interest, first (31 days)$445.59
Fees + prepaids$11,922.34
Your down payment is the seller’s equity. You take over the $177,246 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $273,675.96 is due at closing. Uses and sources reconcile at $450,922.34 each. Not a Closing Disclosure.