Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$244,508Cash toward the purchase price.
Closing costs + prepaids$12,757Not just lender fees.
Before credits & paid funds$257,266The complete starting cash picture.
Estimated remaining funds due at closing
$257,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,508.46
Your down payment$244,508.46
Closing costs + prepaids$12,757.32
Total buyer cash needed$257,265.78
Remaining funds due$257,265.78
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)$1,125.50
Prepaid interest, first (22 days)$466.82
Fees + prepaids$12,757.32
Your down payment is the seller’s equity. You take over the $224,492 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $257,265.78 is due at closing. Uses and sources reconcile at $481,757.32 each. Not a Closing Disclosure.