Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$205,265Cash toward the purchase price.
Closing costs + prepaids$11,785Not just lender fees.
Before credits & paid funds$217,050The complete starting cash picture.
Estimated remaining funds due at closing
$217,050No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,265.30
Your down payment$205,265.30
Closing costs + prepaids$11,784.84
Total buyer cash needed$217,050.13
Remaining funds due$217,050.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.99
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)$633.50
Initial HOA (3 months)$150.00
Prepaid interest, first (19 days)$376.35
Fees + prepaids$11,784.84
Your down payment is the seller’s equity. You take over the $234,734 balance, so the rest of the $439,999 price is paid at closing. A second mortgage can cover part of it. $217,050.13 is due at closing. Uses and sources reconcile at $451,783.84 each. Not a Closing Disclosure.