Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$246,756Cash toward the purchase price.
Closing costs + prepaids$13,259Not just lender fees.
Before credits & paid funds$260,016The complete starting cash picture.
Estimated remaining funds due at closing
$260,016No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,756.20
Your down payment$246,756.20
Closing costs + prepaids$13,259.48
Total buyer cash needed$260,015.68
Remaining funds due$260,015.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.99
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)$570.00
Initial HOA (3 months)$1,245.00
Prepaid interest, first (9 days)$219.49
Fees + prepaids$13,259.48
Your down payment is the seller’s equity. You take over the $228,243 balance, so the rest of the $474,999 price is paid at closing. A second mortgage can cover part of it. $260,015.68 is due at closing. Uses and sources reconcile at $488,258.48 each. Not a Closing Disclosure.