Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$243,078Cash toward the purchase price.
Closing costs + prepaids$12,344Not just lender fees.
Before credits & paid funds$255,422The complete starting cash picture.
Estimated remaining funds due at closing
$255,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,078.41
Your down payment$243,078.41
Closing costs + prepaids$12,343.65
Total buyer cash needed$255,422.05
Remaining funds due$255,422.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.00
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)$335.50
Prepaid interest, first (31 days)$734.15
Fees + prepaids$12,343.65
Your down payment is the seller’s equity. You take over the $236,822 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $255,422.05 is due at closing. Uses and sources reconcile at $492,243.65 each. Not a Closing Disclosure.