Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$259,157Cash toward the purchase price.
Closing costs + prepaids$12,016Not just lender fees.
Before credits & paid funds$271,173The complete starting cash picture.
Estimated remaining funds due at closing
$271,173No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,156.83
Your down payment$259,156.83
Closing costs + prepaids$12,016.47
Total buyer cash needed$271,173.30
Remaining funds due$271,173.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,597.77
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)$551.75
Initial HOA (3 months)$200.01
Prepaid interest, first (9 days)$191.94
Fees + prepaids$12,016.47
Your down payment is the seller’s equity. You take over the $200,620 balance, so the rest of the $459,777 price is paid at closing. A second mortgage can cover part of it. $271,173.30 is due at closing. Uses and sources reconcile at $471,793.47 each. Not a Closing Disclosure.