Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$221,767Cash toward the purchase price.
Closing costs + prepaids$13,415Not just lender fees.
Before credits & paid funds$235,182The complete starting cash picture.
Estimated remaining funds due at closing
$235,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,767.04
Your down payment$221,767.04
Closing costs + prepaids$13,414.53
Total buyer cash needed$235,181.57
Remaining funds due$235,181.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.00
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)$1,616.25
Initial HOA (3 months)$31.26
Prepaid interest, first (27 days)$543.02
Fees + prepaids$13,414.53
Your down payment is the seller’s equity. You take over the $253,133 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $235,181.57 is due at closing. Uses and sources reconcile at $488,314.53 each. Not a Closing Disclosure.