Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$213,097Cash toward the purchase price.
Closing costs + prepaids$12,579Not just lender fees.
Before credits & paid funds$225,676The complete starting cash picture.
Estimated remaining funds due at closing
$225,676No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,097.39
Your down payment$213,097.39
Closing costs + prepaids$12,578.84
Total buyer cash needed$225,676.22
Remaining funds due$225,676.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,690.00
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)$443.50
Initial HOA (3 months)$312.00
Prepaid interest, first (30 days)$658.34
Fees + prepaids$12,578.84
Your down payment is the seller’s equity. You take over the $255,903 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $225,676.22 is due at closing. Uses and sources reconcile at $481,578.84 each. Not a Closing Disclosure.