Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$225,827Cash toward the purchase price.
Closing costs + prepaids$13,363Not just lender fees.
Before credits & paid funds$239,190The complete starting cash picture.
Estimated remaining funds due at closing
$239,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,827.40
Your down payment$225,827.40
Closing costs + prepaids$13,362.89
Total buyer cash needed$239,190.30
Remaining funds due$239,190.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.00
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)$1,248.25
Initial HOA (3 months)$342.00
Prepaid interest, first (30 days)$548.64
Fees + prepaids$13,362.89
Your down payment is the seller’s equity. You take over the $249,073 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $239,190.30 is due at closing. Uses and sources reconcile at $488,262.89 each. Not a Closing Disclosure.