Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$244,224Cash toward the purchase price.
Closing costs + prepaids$12,113Not just lender fees.
Before credits & paid funds$256,337The complete starting cash picture.
Estimated remaining funds due at closing
$256,337No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,224.16
Your down payment$244,224.16
Closing costs + prepaids$12,113.00
Total buyer cash needed$256,337.17
Remaining funds due$256,337.17
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)$666.00
Initial HOA (3 months)$297.00
Prepaid interest, first (18 days)$426.00
Fees + prepaids$12,113.00
Your down payment is the seller’s equity. You take over the $205,676 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $256,337.17 is due at closing. Uses and sources reconcile at $462,013.00 each. Not a Closing Disclosure.