Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$270,018Cash toward the purchase price.
Closing costs + prepaids$12,723Not just lender fees.
Before credits & paid funds$282,740The complete starting cash picture.
Estimated remaining funds due at closing
$282,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,017.69
Your down payment$270,017.69
Closing costs + prepaids$12,722.64
Total buyer cash needed$282,740.33
Remaining funds due$282,740.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.00
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)$771.00
Prepaid interest, first (29 days)$727.64
Fees + prepaids$12,722.64
Your down payment is the seller’s equity. You take over the $204,882 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $282,740.33 is due at closing. Uses and sources reconcile at $487,622.64 each. Not a Closing Disclosure.