Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$257,786Cash toward the purchase price.
Closing costs + prepaids$11,368Not just lender fees.
Before credits & paid funds$269,154The complete starting cash picture.
Estimated remaining funds due at closing
$269,154No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,785.89
Your down payment$257,785.89
Closing costs + prepaids$11,367.92
Total buyer cash needed$269,153.81
Remaining funds due$269,153.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$510.25
Initial HOA (3 months)$213.00
Prepaid interest, first (1 days)$19.67
Fees + prepaids$11,367.92
Your down payment is the seller’s equity. You take over the $182,214 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $269,153.81 is due at closing. Uses and sources reconcile at $451,367.92 each. Not a Closing Disclosure.