Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$261,025Cash toward the purchase price.
Closing costs + prepaids$13,278Not just lender fees.
Before credits & paid funds$274,302The complete starting cash picture.
Estimated remaining funds due at closing
$274,302No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,024.62
Your down payment$261,024.62
Closing costs + prepaids$13,277.69
Total buyer cash needed$274,302.31
Remaining funds due$274,302.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,649.00
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)$1,682.50
Initial HOA (3 months)$32.49
Prepaid interest, first (22 days)$438.70
Fees + prepaids$13,277.69
Your down payment is the seller’s equity. You take over the $203,875 balance, so the rest of the $464,900 price is paid at closing. A second mortgage can cover part of it. $274,302.31 is due at closing. Uses and sources reconcile at $478,177.69 each. Not a Closing Disclosure.