Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$258,338Cash toward the purchase price.
Closing costs + prepaids$12,496Not just lender fees.
Before credits & paid funds$270,835The complete starting cash picture.
Estimated remaining funds due at closing
$270,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,338.19
Your down payment$258,338.19
Closing costs + prepaids$12,496.48
Total buyer cash needed$270,834.66
Remaining funds due$270,834.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$1,197.50
Prepaid interest, first (2 days)$33.98
Fees + prepaids$12,496.48
Your down payment is the seller’s equity. You take over the $220,662 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $270,834.66 is due at closing. Uses and sources reconcile at $491,496.48 each. Not a Closing Disclosure.