Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$212,678Cash toward the purchase price.
Closing costs + prepaids$12,241Not just lender fees.
Before credits & paid funds$224,919The complete starting cash picture.
Estimated remaining funds due at closing
$224,919No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,678.20
Your down payment$212,678.20
Closing costs + prepaids$12,240.68
Total buyer cash needed$224,918.88
Remaining funds due$224,918.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,640.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$708.25
Initial HOA (3 months)$360.00
Prepaid interest, first (2 days)$57.43
Fees + prepaids$12,240.68
Your down payment is the seller’s equity. You take over the $251,322 balance, so the rest of the $464,000 price is paid at closing. A second mortgage can cover part of it. $224,918.88 is due at closing. Uses and sources reconcile at $476,240.68 each. Not a Closing Disclosure.