Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$266,714Cash toward the purchase price.
Closing costs + prepaids$12,513Not just lender fees.
Before credits & paid funds$279,227The complete starting cash picture.
Estimated remaining funds due at closing
$279,227No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,713.93
Your down payment$266,713.93
Closing costs + prepaids$12,512.66
Total buyer cash needed$279,226.59
Remaining funds due$279,226.59
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)$624.00
Initial HOA (3 months)$174.00
Prepaid interest, first (29 days)$549.66
Fees + prepaids$12,512.66
Your down payment is the seller’s equity. You take over the $202,286 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $279,226.59 is due at closing. Uses and sources reconcile at $481,512.66 each. Not a Closing Disclosure.