Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$270,450Cash toward the purchase price.
Closing costs + prepaids$11,937Not just lender fees.
Before credits & paid funds$282,387The complete starting cash picture.
Estimated remaining funds due at closing
$282,387No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,450.11
Your down payment$270,450.11
Closing costs + prepaids$11,936.94
Total buyer cash needed$282,387.05
Remaining funds due$282,387.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$401.25
Initial HOA (3 months)$345.00
Prepaid interest, first (1 days)$15.69
Fees + prepaids$11,936.94
Your down payment is the seller’s equity. You take over the $199,550 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $282,387.05 is due at closing. Uses and sources reconcile at $481,936.94 each. Not a Closing Disclosure.