Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$246,797Cash toward the purchase price.
Closing costs + prepaids$12,493Not just lender fees.
Before credits & paid funds$259,290The complete starting cash picture.
Estimated remaining funds due at closing
$259,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,797.25
Your down payment$246,797.25
Closing costs + prepaids$12,492.85
Total buyer cash needed$259,290.10
Remaining funds due$259,290.10
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)$671.25
Initial HOA (3 months)$60.00
Prepaid interest, first (28 days)$596.60
Fees + prepaids$12,492.85
Your down payment is the seller’s equity. You take over the $222,203 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $259,290.10 is due at closing. Uses and sources reconcile at $481,492.85 each. Not a Closing Disclosure.