Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$228,075Cash toward the purchase price.
Closing costs + prepaids$12,249Not just lender fees.
Before credits & paid funds$240,324The complete starting cash picture.
Estimated remaining funds due at closing
$240,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,075.23
Your down payment$228,075.23
Closing costs + prepaids$12,248.60
Total buyer cash needed$240,323.83
Remaining funds due$240,323.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
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)$564.00
Initial HOA (3 months)$318.00
Prepaid interest, first (9 days)$192.60
Fees + prepaids$12,248.60
Your down payment is the seller’s equity. You take over the $241,825 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $240,323.83 is due at closing. Uses and sources reconcile at $482,148.60 each. Not a Closing Disclosure.