Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$263,976Cash toward the purchase price.
Closing costs + prepaids$13,086Not just lender fees.
Before credits & paid funds$277,062The complete starting cash picture.
Estimated remaining funds due at closing
$277,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,975.81
Your down payment$263,975.81
Closing costs + prepaids$13,085.78
Total buyer cash needed$277,061.60
Remaining funds due$277,061.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$1,238.75
Initial HOA (3 months)$50.01
Prepaid interest, first (29 days)$622.02
Fees + prepaids$13,085.78
Your down payment is the seller’s equity. You take over the $206,024 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $277,061.60 is due at closing. Uses and sources reconcile at $483,085.78 each. Not a Closing Disclosure.