Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$203,678Cash toward the purchase price.
Closing costs + prepaids$13,285Not just lender fees.
Before credits & paid funds$216,963The complete starting cash picture.
Estimated remaining funds due at closing
$216,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,677.94
Your down payment$203,677.94
Closing costs + prepaids$13,285.39
Total buyer cash needed$216,963.33
Remaining funds due$216,963.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,589.90
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)$1,144.50
Initial HOA (3 months)$366.99
Prepaid interest, first (28 days)$709.00
Fees + prepaids$13,285.39
Your down payment is the seller’s equity. You take over the $255,312 balance, so the rest of the $458,990 price is paid at closing. A second mortgage can cover part of it. $216,963.33 is due at closing. Uses and sources reconcile at $472,275.39 each. Not a Closing Disclosure.