Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$239,767Cash toward the purchase price.
Closing costs + prepaids$14,366Not just lender fees.
Before credits & paid funds$254,133The complete starting cash picture.
Estimated remaining funds due at closing
$254,133No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,766.81
Your down payment$239,766.81
Closing costs + prepaids$14,366.44
Total buyer cash needed$254,133.25
Remaining funds due$254,133.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$2,255.25
Initial HOA (3 months)$52.50
Prepaid interest, first (28 days)$833.69
Fees + prepaids$14,366.44
Your down payment is the seller’s equity. You take over the $235,233 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $254,133.25 is due at closing. Uses and sources reconcile at $489,366.44 each. Not a Closing Disclosure.