Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$261,345Cash toward the purchase price.
Closing costs + prepaids$11,506Not just lender fees.
Before credits & paid funds$272,851The complete starting cash picture.
Estimated remaining funds due at closing
$272,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,345.40
Your down payment$261,345.40
Closing costs + prepaids$11,505.56
Total buyer cash needed$272,850.97
Remaining funds due$272,850.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$654.75
Initial HOA (3 months)$207.00
Prepaid interest, first (2 days)$28.81
Fees + prepaids$11,505.56
Your down payment is the seller’s equity. You take over the $177,655 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $272,850.97 is due at closing. Uses and sources reconcile at $450,505.56 each. Not a Closing Disclosure.