Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$209,628Cash toward the purchase price.
Closing costs + prepaids$13,719Not just lender fees.
Before credits & paid funds$223,347The complete starting cash picture.
Estimated remaining funds due at closing
$223,347No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,628.36
Your down payment$209,628.36
Closing costs + prepaids$13,719.02
Total buyer cash needed$223,347.38
Remaining funds due$223,347.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,827.77
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)$1,477.25
Initial HOA (3 months)$258.00
Prepaid interest, first (25 days)$681.00
Fees + prepaids$13,719.02
Your down payment is the seller’s equity. You take over the $273,149 balance, so the rest of the $482,777 price is paid at closing. A second mortgage can cover part of it. $223,347.38 is due at closing. Uses and sources reconcile at $496,496.02 each. Not a Closing Disclosure.