Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$277,495Cash toward the purchase price.
Closing costs + prepaids$13,456Not just lender fees.
Before credits & paid funds$290,951The complete starting cash picture.
Estimated remaining funds due at closing
$290,951No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,495.34
Your down payment$277,495.34
Closing costs + prepaids$13,455.92
Total buyer cash needed$290,951.26
Remaining funds due$290,951.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.00
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)$1,111.75
Initial HOA (3 months)$575.01
Prepaid interest, first (24 days)$545.16
Fees + prepaids$13,455.92
Your down payment is the seller’s equity. You take over the $197,405 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $290,951.26 is due at closing. Uses and sources reconcile at $488,355.92 each. Not a Closing Disclosure.