Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$267,042Cash toward the purchase price.
Closing costs + prepaids$11,837Not just lender fees.
Before credits & paid funds$278,879The complete starting cash picture.
Estimated remaining funds due at closing
$278,879No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,041.92
Your down payment$267,041.92
Closing costs + prepaids$11,836.68
Total buyer cash needed$278,878.60
Remaining funds due$278,878.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$312.25
Initial HOA (3 months)$216.00
Prepaid interest, first (31 days)$593.43
Fees + prepaids$11,836.68
Your down payment is the seller’s equity. You take over the $181,958 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $278,878.60 is due at closing. Uses and sources reconcile at $460,836.68 each. Not a Closing Disclosure.