Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$239,825Cash toward the purchase price.
Closing costs + prepaids$12,132Not just lender fees.
Before credits & paid funds$251,957The complete starting cash picture.
Estimated remaining funds due at closing
$251,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,824.63
Your down payment$239,824.63
Closing costs + prepaids$12,132.50
Total buyer cash needed$251,957.13
Remaining funds due$251,957.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$655.50
Initial HOA (3 months)$675.00
Prepaid interest, first (31 days)$427.00
Fees + prepaids$12,132.50
Your down payment is the seller’s equity. You take over the $175,175 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $251,957.13 is due at closing. Uses and sources reconcile at $427,132.50 each. Not a Closing Disclosure.