Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$238,824Cash toward the purchase price.
Closing costs + prepaids$11,661Not just lender fees.
Before credits & paid funds$250,484The complete starting cash picture.
Estimated remaining funds due at closing
$250,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,823.63
Your down payment$238,823.63
Closing costs + prepaids$11,660.71
Total buyer cash needed$250,484.34
Remaining funds due$250,484.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,139.99
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)$496.75
Initial HOA (3 months)$675.00
Prepaid interest, first (9 days)$123.97
Fees + prepaids$11,660.71
Your down payment is the seller’s equity. You take over the $175,175 balance, so the rest of the $413,999 price is paid at closing. A second mortgage can cover part of it. $250,484.34 is due at closing. Uses and sources reconcile at $425,659.71 each. Not a Closing Disclosure.