Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$216,507Cash toward the purchase price.
Closing costs + prepaids$11,361Not just lender fees.
Before credits & paid funds$227,867The complete starting cash picture.
Estimated remaining funds due at closing
$227,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,506.58
Your down payment$216,506.58
Closing costs + prepaids$11,360.56
Total buyer cash needed$227,867.15
Remaining funds due$227,867.15
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 (1 days)$20.56
Fees + prepaids$11,360.56
Your down payment is the seller’s equity. You take over the $223,393 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $227,867.15 is due at closing. Uses and sources reconcile at $451,260.56 each. Not a Closing Disclosure.