Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$255,551Cash toward the purchase price.
Closing costs + prepaids$12,754Not just lender fees.
Before credits & paid funds$268,305The complete starting cash picture.
Estimated remaining funds due at closing
$268,305No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,550.82
Your down payment$255,550.82
Closing costs + prepaids$12,754.03
Total buyer cash needed$268,304.84
Remaining funds due$268,304.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$1,162.50
Prepaid interest, first (30 days)$466.53
Fees + prepaids$12,754.03
Your down payment is the seller’s equity. You take over the $209,449 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $268,304.84 is due at closing. Uses and sources reconcile at $477,754.03 each. Not a Closing Disclosure.