Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$238,189Cash toward the purchase price.
Closing costs + prepaids$11,536Not just lender fees.
Before credits & paid funds$249,726The complete starting cash picture.
Estimated remaining funds due at closing
$249,726No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,189.47
Your down payment$238,189.47
Closing costs + prepaids$11,536.28
Total buyer cash needed$249,725.75
Remaining funds due$249,725.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,465.00
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)$578.25
Initial HOA (3 months)$225.00
Prepaid interest, first (2 days)$43.03
Fees + prepaids$11,536.28
Your down payment is the seller’s equity. You take over the $208,311 balance, so the rest of the $446,500 price is paid at closing. A second mortgage can cover part of it. $249,725.75 is due at closing. Uses and sources reconcile at $458,036.28 each. Not a Closing Disclosure.