Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$202,417Cash toward the purchase price.
Closing costs + prepaids$12,876Not just lender fees.
Before credits & paid funds$215,293The complete starting cash picture.
Estimated remaining funds due at closing
$215,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,416.66
Your down payment$202,416.66
Closing costs + prepaids$12,876.44
Total buyer cash needed$215,293.09
Remaining funds due$215,293.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$807.75
Initial HOA (3 months)$165.00
Prepaid interest, first (24 days)$778.69
Fees + prepaids$12,876.44
Your down payment is the seller’s equity. You take over the $262,583 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $215,293.09 is due at closing. Uses and sources reconcile at $477,876.44 each. Not a Closing Disclosure.