Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$205,265Cash toward the purchase price.
Closing costs + prepaids$11,660Not just lender fees.
Before credits & paid funds$216,925The complete starting cash picture.
Estimated remaining funds due at closing
$216,925No 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$11,659.53
Total buyer cash needed$216,924.82
Remaining funds due$216,924.82
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)$528.00
Initial HOA (3 months)$150.00
Prepaid interest, first (18 days)$356.54
Fees + prepaids$11,659.53
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. $216,924.82 is due at closing. Uses and sources reconcile at $451,658.53 each. Not a Closing Disclosure.