Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$280,373Cash toward the purchase price.
Closing costs + prepaids$12,590Not just lender fees.
Before credits & paid funds$292,964The complete starting cash picture.
Estimated remaining funds due at closing
$292,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$280,373.32
Your down payment$280,373.32
Closing costs + prepaids$12,590.31
Total buyer cash needed$292,963.63
Remaining funds due$292,963.63
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)$893.50
Prepaid interest, first (23 days)$431.81
Fees + prepaids$12,590.31
Your down payment is the seller’s equity. You take over the $198,627 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $292,963.63 is due at closing. Uses and sources reconcile at $491,590.31 each. Not a Closing Disclosure.