Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$227,781Cash toward the purchase price.
Closing costs + prepaids$14,386Not just lender fees.
Before credits & paid funds$242,167The complete starting cash picture.
Estimated remaining funds due at closing
$242,167No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,781.16
Your down payment$227,781.16
Closing costs + prepaids$14,385.51
Total buyer cash needed$242,166.67
Remaining funds due$242,166.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.90
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)$2,008.50
Initial HOA (3 months)$525.00
Prepaid interest, first (29 days)$577.11
Fees + prepaids$14,385.51
Your down payment is the seller’s equity. You take over the $252,209 balance, so the rest of the $479,990 price is paid at closing. A second mortgage can cover part of it. $242,166.67 is due at closing. Uses and sources reconcile at $494,375.51 each. Not a Closing Disclosure.