Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$258,667Cash toward the purchase price.
Closing costs + prepaids$13,778Not just lender fees.
Before credits & paid funds$272,445The complete starting cash picture.
Estimated remaining funds due at closing
$272,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,667.02
Your down payment$258,667.02
Closing costs + prepaids$13,778.29
Total buyer cash needed$272,445.32
Remaining funds due$272,445.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,649.00
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)$1,552.50
Prepaid interest, first (30 days)$1,101.79
Fees + prepaids$13,778.29
Your down payment is the seller’s equity. You take over the $206,233 balance, so the rest of the $464,900 price is paid at closing. A second mortgage can cover part of it. $272,445.32 is due at closing. Uses and sources reconcile at $478,678.29 each. Not a Closing Disclosure.