Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$204,731Cash toward the purchase price.
Closing costs + prepaids$11,448Not just lender fees.
Before credits & paid funds$216,179The complete starting cash picture.
Estimated remaining funds due at closing
$216,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,730.99
Your down payment$204,730.99
Closing costs + prepaids$11,448.20
Total buyer cash needed$216,179.18
Remaining funds due$216,179.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.99
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)$633.50
Initial HOA (3 months)$150.00
Prepaid interest, first (2 days)$39.71
Fees + prepaids$11,448.20
Your down payment is the seller’s equity. You take over the $235,268 balance, so the rest of the $439,999 price is paid at closing. A second mortgage can cover part of it. $216,179.18 is due at closing. Uses and sources reconcile at $451,447.20 each. Not a Closing Disclosure.