Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$267,042Cash toward the purchase price.
Closing costs + prepaids$11,795Not just lender fees.
Before credits & paid funds$278,837The complete starting cash picture.
Estimated remaining funds due at closing
$278,837No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,041.92
Your down payment$267,041.92
Closing costs + prepaids$11,795.18
Total buyer cash needed$278,837.10
Remaining funds due$278,837.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$538.75
Initial HOA (3 months)$216.00
Prepaid interest, first (17 days)$325.43
Fees + prepaids$11,795.18
Your down payment is the seller’s equity. You take over the $181,958 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $278,837.10 is due at closing. Uses and sources reconcile at $460,795.18 each. Not a Closing Disclosure.