Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$217,025Cash toward the purchase price.
Closing costs + prepaids$11,976Not just lender fees.
Before credits & paid funds$229,001The complete starting cash picture.
Estimated remaining funds due at closing
$229,001No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,025.14
Your down payment$217,025.14
Closing costs + prepaids$11,976.02
Total buyer cash needed$229,001.15
Remaining funds due$229,001.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$356.00
Initial HOA (3 months)$360.00
Prepaid interest, first (31 days)$636.02
Fees + prepaids$11,976.02
Your down payment is the seller’s equity. You take over the $222,875 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $229,001.15 is due at closing. Uses and sources reconcile at $451,876.02 each. Not a Closing Disclosure.