Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$239,824Cash toward the purchase price.
Closing costs + prepaids$11,967Not just lender fees.
Before credits & paid funds$251,791The complete starting cash picture.
Estimated remaining funds due at closing
$251,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,823.63
Your down payment$239,823.63
Closing costs + prepaids$11,967.20
Total buyer cash needed$251,790.83
Remaining funds due$251,790.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.99
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)$655.50
Initial HOA (3 months)$675.00
Prepaid interest, first (19 days)$261.71
Fees + prepaids$11,967.20
Your down payment is the seller’s equity. You take over the $175,175 balance, so the rest of the $414,999 price is paid at closing. A second mortgage can cover part of it. $251,790.83 is due at closing. Uses and sources reconcile at $426,966.20 each. Not a Closing Disclosure.