Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$266,625Cash toward the purchase price.
Closing costs + prepaids$11,282Not just lender fees.
Before credits & paid funds$277,907The complete starting cash picture.
Estimated remaining funds due at closing
$277,907No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,625.01
Your down payment$266,625.01
Closing costs + prepaids$11,281.62
Total buyer cash needed$277,906.64
Remaining funds due$277,906.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$312.25
Initial HOA (3 months)$216.00
Prepaid interest, first (2 days)$38.37
Fees + prepaids$11,281.62
Your down payment is the seller’s equity. You take over the $182,375 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $277,906.64 is due at closing. Uses and sources reconcile at $460,281.62 each. Not a Closing Disclosure.