Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$262,321Cash toward the purchase price.
Closing costs + prepaids$11,989Not just lender fees.
Before credits & paid funds$274,310The complete starting cash picture.
Estimated remaining funds due at closing
$274,310No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$262,320.56
Your down payment$262,320.56
Closing costs + prepaids$11,988.97
Total buyer cash needed$274,309.52
Remaining funds due$274,309.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,590.00
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)$792.75
Initial HOA (3 months)$113.76
Prepaid interest, first (1 days)$17.46
Fees + prepaids$11,988.97
Your down payment is the seller’s equity. You take over the $196,679 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $274,309.52 is due at closing. Uses and sources reconcile at $470,988.97 each. Not a Closing Disclosure.