Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$256,259Cash toward the purchase price.
Closing costs + prepaids$11,680Not just lender fees.
Before credits & paid funds$267,938The complete starting cash picture.
Estimated remaining funds due at closing
$267,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,258.64
Your down payment$256,258.64
Closing costs + prepaids$11,679.83
Total buyer cash needed$267,938.47
Remaining funds due$267,938.47
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 (1 days)$19.58
Fees + prepaids$11,679.83
Your down payment is the seller’s equity. You take over the $203,641 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $267,938.47 is due at closing. Uses and sources reconcile at $471,579.83 each. Not a Closing Disclosure.