Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$216,978Cash toward the purchase price.
Closing costs + prepaids$12,487Not just lender fees.
Before credits & paid funds$229,465The complete starting cash picture.
Estimated remaining funds due at closing
$229,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,977.94
Your down payment$216,977.94
Closing costs + prepaids$12,486.70
Total buyer cash needed$229,464.64
Remaining funds due$229,464.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,808.00
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)$545.25
Initial HOA (3 months)$24.99
Prepaid interest, first (28 days)$633.46
Fees + prepaids$12,486.70
Your down payment is the seller’s equity. You take over the $263,822 balance, so the rest of the $480,800 price is paid at closing. A second mortgage can cover part of it. $229,464.64 is due at closing. Uses and sources reconcile at $493,286.70 each. Not a Closing Disclosure.