Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$269,315Cash toward the purchase price.
Closing costs + prepaids$12,806Not just lender fees.
Before credits & paid funds$282,121The complete starting cash picture.
Estimated remaining funds due at closing
$282,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,315.20
Your down payment$269,315.20
Closing costs + prepaids$12,806.14
Total buyer cash needed$282,121.34
Remaining funds due$282,121.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,649.95
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)$1,162.50
Prepaid interest, first (25 days)$518.69
Fees + prepaids$12,806.14
Your down payment is the seller’s equity. You take over the $195,680 balance, so the rest of the $464,995 price is paid at closing. A second mortgage can cover part of it. $282,121.34 is due at closing. Uses and sources reconcile at $477,801.14 each. Not a Closing Disclosure.