Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$232,042Cash toward the purchase price.
Closing costs + prepaids$13,289Not just lender fees.
Before credits & paid funds$245,331The complete starting cash picture.
Estimated remaining funds due at closing
$245,331No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,041.64
Your down payment$232,041.64
Closing costs + prepaids$13,289.43
Total buyer cash needed$245,331.07
Remaining funds due$245,331.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$1,328.25
Initial HOA (3 months)$44.76
Prepaid interest, first (31 days)$791.42
Fees + prepaids$13,289.43
Your down payment is the seller’s equity. You take over the $232,958 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $245,331.07 is due at closing. Uses and sources reconcile at $478,289.43 each. Not a Closing Disclosure.