Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$255,962Cash toward the purchase price.
Closing costs + prepaids$11,569Not just lender fees.
Before credits & paid funds$267,531The complete starting cash picture.
Estimated remaining funds due at closing
$267,531No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,961.84
Your down payment$255,961.84
Closing costs + prepaids$11,568.84
Total buyer cash needed$267,530.68
Remaining funds due$267,530.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$371.50
Prepaid interest, first (1 days)$22.34
Fees + prepaids$11,568.84
Your down payment is the seller’s equity. You take over the $214,038 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $267,530.68 is due at closing. Uses and sources reconcile at $481,568.84 each. Not a Closing Disclosure.