Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$198,418Cash toward the purchase price.
Closing costs + prepaids$13,277Not just lender fees.
Before credits & paid funds$211,694The complete starting cash picture.
Estimated remaining funds due at closing
$211,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,417.61
Your down payment$198,417.61
Closing costs + prepaids$13,276.77
Total buyer cash needed$211,694.38
Remaining funds due$211,694.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,690.00
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)$1,301.00
Initial HOA (3 months)$300.00
Prepaid interest, first (26 days)$510.77
Fees + prepaids$13,276.77
Your down payment is the seller’s equity. You take over the $270,582 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $211,694.38 is due at closing. Uses and sources reconcile at $482,276.77 each. Not a Closing Disclosure.