Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$223,580Cash toward the purchase price.
Closing costs + prepaids$12,715Not just lender fees.
Before credits & paid funds$236,295The complete starting cash picture.
Estimated remaining funds due at closing
$236,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,580.19
Your down payment$223,580.19
Closing costs + prepaids$12,715.20
Total buyer cash needed$236,295.39
Remaining funds due$236,295.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.99
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)$505.00
Initial HOA (3 months)$210.00
Prepaid interest, first (31 days)$725.21
Fees + prepaids$12,715.20
Your down payment is the seller’s equity. You take over the $256,419 balance, so the rest of the $479,999 price is paid at closing. A second mortgage can cover part of it. $236,295.39 is due at closing. Uses and sources reconcile at $492,714.20 each. Not a Closing Disclosure.