Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$198,305Cash toward the purchase price.
Closing costs + prepaids$12,268Not just lender fees.
Before credits & paid funds$210,572The complete starting cash picture.
Estimated remaining funds due at closing
$210,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,304.63
Your down payment$198,304.63
Closing costs + prepaids$12,267.85
Total buyer cash needed$210,572.47
Remaining funds due$210,572.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.99
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)$564.50
Initial HOA (3 months)$486.00
Prepaid interest, first (21 days)$492.36
Fees + prepaids$12,267.85
Your down payment is the seller’s equity. You take over the $251,694 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $210,572.47 is due at closing. Uses and sources reconcile at $462,266.85 each. Not a Closing Disclosure.