Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$272,204Cash toward the purchase price.
Closing costs + prepaids$12,057Not just lender fees.
Before credits & paid funds$284,261The complete starting cash picture.
Estimated remaining funds due at closing
$284,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,204.01
Your down payment$272,204.01
Closing costs + prepaids$12,057.16
Total buyer cash needed$284,261.17
Remaining funds due$284,261.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$701.00
Initial HOA (3 months)$345.00
Prepaid interest, first (30 days)$386.16
Fees + prepaids$12,057.16
Your down payment is the seller’s equity. You take over the $167,796 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $284,261.17 is due at closing. Uses and sources reconcile at $452,057.16 each. Not a Closing Disclosure.