Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$244,212Cash toward the purchase price.
Closing costs + prepaids$11,744Not just lender fees.
Before credits & paid funds$255,956The complete starting cash picture.
Estimated remaining funds due at closing
$255,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,211.95
Your down payment$244,211.95
Closing costs + prepaids$11,744.23
Total buyer cash needed$255,956.18
Remaining funds due$255,956.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$495.75
Initial HOA (3 months)$159.99
Prepaid interest, first (21 days)$364.49
Fees + prepaids$11,744.23
Your down payment is the seller’s equity. You take over the $205,688 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $255,956.18 is due at closing. Uses and sources reconcile at $461,644.23 each. Not a Closing Disclosure.