Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$257,192Cash toward the purchase price.
Closing costs + prepaids$12,265Not just lender fees.
Before credits & paid funds$269,456The complete starting cash picture.
Estimated remaining funds due at closing
$269,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,191.96
Your down payment$257,191.96
Closing costs + prepaids$12,264.54
Total buyer cash needed$269,456.50
Remaining funds due$269,456.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$400.25
Initial HOA (3 months)$186.00
Prepaid interest, first (31 days)$604.29
Fees + prepaids$12,264.54
Your down payment is the seller’s equity. You take over the $202,708 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $269,456.50 is due at closing. Uses and sources reconcile at $472,164.54 each. Not a Closing Disclosure.