Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$237,539Cash toward the purchase price.
Closing costs + prepaids$13,019Not just lender fees.
Before credits & paid funds$250,558The complete starting cash picture.
Estimated remaining funds due at closing
$250,558No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,538.98
Your down payment$237,538.98
Closing costs + prepaids$13,018.94
Total buyer cash needed$250,557.92
Remaining funds due$250,557.92
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)$1,679.50
Initial HOA (3 months)$33.75
Prepaid interest, first (29 days)$580.69
Fees + prepaids$13,018.94
Your down payment is the seller’s equity. You take over the $212,461 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $250,557.92 is due at closing. Uses and sources reconcile at $463,018.94 each. Not a Closing Disclosure.