Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$209,688Cash toward the purchase price.
Closing costs + prepaids$12,294Not just lender fees.
Before credits & paid funds$221,982The complete starting cash picture.
Estimated remaining funds due at closing
$221,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,687.94
Your down payment$209,687.94
Closing costs + prepaids$12,294.49
Total buyer cash needed$221,982.43
Remaining funds due$221,982.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$93.50
Initial HOA (3 months)$366.99
Prepaid interest, first (28 days)$709.00
Fees + prepaids$12,294.49
Your down payment is the seller’s equity. You take over the $255,312 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $221,982.43 is due at closing. Uses and sources reconcile at $477,294.49 each. Not a Closing Disclosure.