Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$256,450Cash toward the purchase price.
Closing costs + prepaids$12,059Not just lender fees.
Before credits & paid funds$268,510The complete starting cash picture.
Estimated remaining funds due at closing
$268,510No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,450.37
Your down payment$256,450.37
Closing costs + prepaids$12,059.19
Total buyer cash needed$268,509.56
Remaining funds due$268,509.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$371.50
Prepaid interest, first (23 days)$512.69
Fees + prepaids$12,059.19
Your down payment is the seller’s equity. You take over the $213,550 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $268,509.56 is due at closing. Uses and sources reconcile at $482,059.19 each. Not a Closing Disclosure.