Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$257,192Cash toward the purchase price.
Closing costs + prepaids$13,556Not just lender fees.
Before credits & paid funds$270,747The complete starting cash picture.
Estimated remaining funds due at closing
$270,747No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,191.77
Your down payment$257,191.77
Closing costs + prepaids$13,555.69
Total buyer cash needed$270,747.47
Remaining funds due$270,747.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,549.00
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)$1,150.75
Initial HOA (3 months)$915.00
Prepaid interest, first (22 days)$465.94
Fees + prepaids$13,555.69
Your down payment is the seller’s equity. You take over the $197,708 balance, so the rest of the $454,900 price is paid at closing. A second mortgage can cover part of it. $270,747.47 is due at closing. Uses and sources reconcile at $468,455.69 each. Not a Closing Disclosure.