Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$261,909Cash toward the purchase price.
Closing costs + prepaids$11,604Not just lender fees.
Before credits & paid funds$273,513The complete starting cash picture.
Estimated remaining funds due at closing
$273,513No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,908.51
Your down payment$261,908.51
Closing costs + prepaids$11,604.06
Total buyer cash needed$273,512.57
Remaining funds due$273,512.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,410.00
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)$529.25
Initial HOA (3 months)$246.00
Prepaid interest, first (10 days)$193.81
Fees + prepaids$11,604.06
Your down payment is the seller’s equity. You take over the $179,091 balance, so the rest of the $441,000 price is paid at closing. A second mortgage can cover part of it. $273,512.57 is due at closing. Uses and sources reconcile at $452,604.06 each. Not a Closing Disclosure.