Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$259,121Cash toward the purchase price.
Closing costs + prepaids$12,671Not just lender fees.
Before credits & paid funds$271,792The complete starting cash picture.
Estimated remaining funds due at closing
$271,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,120.83
Your down payment$259,120.83
Closing costs + prepaids$12,671.34
Total buyer cash needed$271,792.16
Remaining funds due$271,792.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$322.00
Prepaid interest, first (25 days)$1,084.34
Fees + prepaids$12,671.34
Your down payment is the seller’s equity. You take over the $219,879 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $271,792.16 is due at closing. Uses and sources reconcile at $491,671.34 each. Not a Closing Disclosure.