Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$256,921Cash toward the purchase price.
Closing costs + prepaids$13,033Not just lender fees.
Before credits & paid funds$269,953The complete starting cash picture.
Estimated remaining funds due at closing
$269,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,920.70
Your down payment$256,920.70
Closing costs + prepaids$13,032.55
Total buyer cash needed$269,953.25
Remaining funds due$269,953.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$1,534.25
Initial HOA (3 months)$231.00
Prepaid interest, first (2 days)$42.30
Fees + prepaids$13,032.55
Your down payment is the seller’s equity. You take over the $218,079 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $269,953.25 is due at closing. Uses and sources reconcile at $488,032.55 each. Not a Closing Disclosure.