Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$276,611Cash toward the purchase price.
Closing costs + prepaids$13,913Not just lender fees.
Before credits & paid funds$290,525The complete starting cash picture.
Estimated remaining funds due at closing
$290,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,611.34
Your down payment$276,611.34
Closing costs + prepaids$13,913.29
Total buyer cash needed$290,524.63
Remaining funds due$290,524.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$1,172.50
Initial HOA (3 months)$759.00
Prepaid interest, first (31 days)$716.79
Fees + prepaids$13,913.29
Your down payment is the seller’s equity. You take over the $202,389 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $290,524.63 is due at closing. Uses and sources reconcile at $492,913.29 each. Not a Closing Disclosure.