Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$278,114Cash toward the purchase price.
Closing costs + prepaids$13,160Not just lender fees.
Before credits & paid funds$291,274The complete starting cash picture.
Estimated remaining funds due at closing
$291,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$278,113.72
Your down payment$278,113.72
Closing costs + prepaids$13,159.96
Total buyer cash needed$291,273.68
Remaining funds due$291,273.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,849.00
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)$1,277.75
Initial HOA (3 months)$62.49
Prepaid interest, first (25 days)$495.72
Fees + prepaids$13,159.96
Your down payment is the seller’s equity. You take over the $206,786 balance, so the rest of the $484,900 price is paid at closing. A second mortgage can cover part of it. $291,273.68 is due at closing. Uses and sources reconcile at $498,059.96 each. Not a Closing Disclosure.