Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$201,943Cash toward the purchase price.
Closing costs + prepaids$11,772Not just lender fees.
Before credits & paid funds$213,715The complete starting cash picture.
Estimated remaining funds due at closing
$213,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,942.83
Your down payment$201,942.83
Closing costs + prepaids$11,772.00
Total buyer cash needed$213,714.83
Remaining funds due$213,714.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$540.00
Initial HOA (3 months)$150.00
Prepaid interest, first (17 days)$357.00
Fees + prepaids$11,772.00
Your down payment is the seller’s equity. You take over the $248,057 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $213,714.83 is due at closing. Uses and sources reconcile at $461,772.00 each. Not a Closing Disclosure.