Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$250,755Cash toward the purchase price.
Closing costs + prepaids$13,932Not just lender fees.
Before credits & paid funds$264,686The complete starting cash picture.
Estimated remaining funds due at closing
$264,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,754.61
Your down payment$250,754.61
Closing costs + prepaids$13,931.62
Total buyer cash needed$264,686.23
Remaining funds due$264,686.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,590.00
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)$2,192.25
Prepaid interest, first (30 days)$674.37
Fees + prepaids$13,931.62
Your down payment is the seller’s equity. You take over the $208,245 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $264,686.23 is due at closing. Uses and sources reconcile at $472,931.62 each. Not a Closing Disclosure.