Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$253,757Cash toward the purchase price.
Closing costs + prepaids$13,922Not just lender fees.
Before credits & paid funds$267,679The complete starting cash picture.
Estimated remaining funds due at closing
$267,679No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,757.20
Your down payment$253,757.20
Closing costs + prepaids$13,921.77
Total buyer cash needed$267,678.96
Remaining funds due$267,678.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,820.00
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)$625.75
Initial HOA (3 months)$1,245.00
Prepaid interest, first (31 days)$756.02
Fees + prepaids$13,921.77
Your down payment is the seller’s equity. You take over the $228,243 balance, so the rest of the $482,000 price is paid at closing. A second mortgage can cover part of it. $267,678.96 is due at closing. Uses and sources reconcile at $495,921.77 each. Not a Closing Disclosure.