Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$266,300Cash toward the purchase price.
Closing costs + prepaids$12,365Not just lender fees.
Before credits & paid funds$278,665The complete starting cash picture.
Estimated remaining funds due at closing
$278,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,299.54
Your down payment$266,299.54
Closing costs + prepaids$12,365.38
Total buyer cash needed$278,664.92
Remaining funds due$278,664.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,641.00
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)$578.50
Initial HOA (3 months)$90.00
Prepaid interest, first (27 days)$580.88
Fees + prepaids$12,365.38
Your down payment is the seller’s equity. You take over the $197,800 balance, so the rest of the $464,100 price is paid at closing. A second mortgage can cover part of it. $278,664.92 is due at closing. Uses and sources reconcile at $476,465.38 each. Not a Closing Disclosure.