Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$258,506Cash toward the purchase price.
Closing costs + prepaids$12,878Not just lender fees.
Before credits & paid funds$271,384The complete starting cash picture.
Estimated remaining funds due at closing
$271,384No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,506.11
Your down payment$258,506.11
Closing costs + prepaids$12,878.36
Total buyer cash needed$271,384.46
Remaining funds due$271,384.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$1,162.50
Prepaid interest, first (28 days)$590.86
Fees + prepaids$12,878.36
Your down payment is the seller’s equity. You take over the $206,494 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $271,384.46 is due at closing. Uses and sources reconcile at $477,878.36 each. Not a Closing Disclosure.