Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$280,709Cash toward the purchase price.
Closing costs + prepaids$12,206Not just lender fees.
Before credits & paid funds$292,915The complete starting cash picture.
Estimated remaining funds due at closing
$292,915No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$280,709.18
Your down payment$280,709.18
Closing costs + prepaids$12,206.19
Total buyer cash needed$292,915.37
Remaining funds due$292,915.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,580.00
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)$549.50
Initial HOA (3 months)$450.00
Prepaid interest, first (9 days)$151.69
Fees + prepaids$12,206.19
Your down payment is the seller’s equity. You take over the $177,291 balance, so the rest of the $458,000 price is paid at closing. A second mortgage can cover part of it. $292,915.37 is due at closing. Uses and sources reconcile at $470,206.19 each. Not a Closing Disclosure.