Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$250,316Cash toward the purchase price.
Closing costs + prepaids$12,649Not just lender fees.
Before credits & paid funds$262,965The complete starting cash picture.
Estimated remaining funds due at closing
$262,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,316.29
Your down payment$250,316.29
Closing costs + prepaids$12,648.96
Total buyer cash needed$262,965.26
Remaining funds due$262,965.26
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)$1,147.50
Prepaid interest, first (22 days)$436.46
Fees + prepaids$12,648.96
Your down payment is the seller’s equity. You take over the $208,684 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $262,965.26 is due at closing. Uses and sources reconcile at $471,648.96 each. Not a Closing Disclosure.