Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$261,292Cash toward the purchase price.
Closing costs + prepaids$13,766Not just lender fees.
Before credits & paid funds$275,058The complete starting cash picture.
Estimated remaining funds due at closing
$275,058No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,291.77
Your down payment$261,291.77
Closing costs + prepaids$13,766.12
Total buyer cash needed$275,057.90
Remaining funds due$275,057.90
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)$1,150.75
Initial HOA (3 months)$915.00
Prepaid interest, first (30 days)$635.37
Fees + prepaids$13,766.12
Your down payment is the seller’s equity. You take over the $197,708 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $275,057.90 is due at closing. Uses and sources reconcile at $472,766.12 each. Not a Closing Disclosure.