Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$259,256Cash toward the purchase price.
Closing costs + prepaids$11,985Not just lender fees.
Before credits & paid funds$271,242The complete starting cash picture.
Estimated remaining funds due at closing
$271,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,256.33
Your down payment$259,256.33
Closing costs + prepaids$11,985.28
Total buyer cash needed$271,241.61
Remaining funds due$271,241.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,649.00
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)$295.00
Prepaid interest, first (23 days)$566.28
Fees + prepaids$11,985.28
Your down payment is the seller’s equity. You take over the $205,644 balance, so the rest of the $464,900 price is paid at closing. A second mortgage can cover part of it. $271,241.61 is due at closing. Uses and sources reconcile at $476,885.28 each. Not a Closing Disclosure.