Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$217,053Cash toward the purchase price.
Closing costs + prepaids$11,459Not just lender fees.
Before credits & paid funds$228,512The complete starting cash picture.
Estimated remaining funds due at closing
$228,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,052.89
Your down payment$217,052.89
Closing costs + prepaids$11,458.70
Total buyer cash needed$228,511.59
Remaining funds due$228,511.59
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)$56.25
Prepaid interest, first (6 days)$148.70
Fees + prepaids$11,458.70
Your down payment is the seller’s equity. You take over the $231,947 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $228,511.59 is due at closing. Uses and sources reconcile at $460,458.70 each. Not a Closing Disclosure.