Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$241,294Cash toward the purchase price.
Closing costs + prepaids$13,060Not just lender fees.
Before credits & paid funds$254,354The complete starting cash picture.
Estimated remaining funds due at closing
$254,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,293.62
Your down payment$241,293.62
Closing costs + prepaids$13,060.22
Total buyer cash needed$254,353.84
Remaining funds due$254,353.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,695.00
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)$903.75
Initial HOA (3 months)$345.99
Prepaid interest, first (26 days)$640.48
Fees + prepaids$13,060.22
Your down payment is the seller’s equity. You take over the $228,206 balance, so the rest of the $469,500 price is paid at closing. A second mortgage can cover part of it. $254,353.84 is due at closing. Uses and sources reconcile at $482,560.22 each. Not a Closing Disclosure.