Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$222,981Cash toward the purchase price.
Closing costs + prepaids$12,013Not just lender fees.
Before credits & paid funds$234,995The complete starting cash picture.
Estimated remaining funds due at closing
$234,995No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,981.21
Your down payment$222,981.21
Closing costs + prepaids$12,013.44
Total buyer cash needed$234,994.65
Remaining funds due$234,994.65
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 (1 days)$23.45
Fees + prepaids$12,013.44
Your down payment is the seller’s equity. You take over the $257,018 balance, so the rest of the $479,999 price is paid at closing. A second mortgage can cover part of it. $234,994.65 is due at closing. Uses and sources reconcile at $492,012.44 each. Not a Closing Disclosure.