Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$235,128Cash toward the purchase price.
Closing costs + prepaids$13,106Not just lender fees.
Before credits & paid funds$248,234The complete starting cash picture.
Estimated remaining funds due at closing
$248,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,127.85
Your down payment$235,127.85
Closing costs + prepaids$13,106.38
Total buyer cash needed$248,234.23
Remaining funds due$248,234.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$969.75
Initial HOA (3 months)$405.00
Prepaid interest, first (24 days)$466.63
Fees + prepaids$13,106.38
Your down payment is the seller’s equity. You take over the $243,872 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $248,234.23 is due at closing. Uses and sources reconcile at $492,106.38 each. Not a Closing Disclosure.