Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$258,885Cash toward the purchase price.
Closing costs + prepaids$13,490Not just lender fees.
Before credits & paid funds$272,375The complete starting cash picture.
Estimated remaining funds due at closing
$272,375No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,884.66
Your down payment$258,884.66
Closing costs + prepaids$13,489.86
Total buyer cash needed$272,374.53
Remaining funds due$272,374.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,849.99
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)$1,137.00
Initial HOA (3 months)$156.00
Prepaid interest, first (31 days)$871.87
Fees + prepaids$13,489.86
Your down payment is the seller’s equity. You take over the $226,114 balance, so the rest of the $484,999 price is paid at closing. A second mortgage can cover part of it. $272,374.53 is due at closing. Uses and sources reconcile at $498,488.86 each. Not a Closing Disclosure.