Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$204,519Cash toward the purchase price.
Closing costs + prepaids$12,626Not just lender fees.
Before credits & paid funds$217,145The complete starting cash picture.
Estimated remaining funds due at closing
$217,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,519.32
Your down payment$204,519.32
Closing costs + prepaids$12,625.57
Total buyer cash needed$217,144.89
Remaining funds due$217,144.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$512.75
Initial HOA (3 months)$309.99
Prepaid interest, first (24 days)$537.83
Fees + prepaids$12,625.57
Your down payment is the seller’s equity. You take over the $274,481 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $217,144.89 is due at closing. Uses and sources reconcile at $491,625.57 each. Not a Closing Disclosure.