Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$256,259Cash toward the purchase price.
Closing costs + prepaids$11,699Not just lender fees.
Before credits & paid funds$267,958The complete starting cash picture.
Estimated remaining funds due at closing
$267,958No 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$11,699.42
Total buyer cash needed$267,958.05
Remaining funds due$267,958.05
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 (2 days)$39.17
Fees + prepaids$11,699.42
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. $267,958.05 is due at closing. Uses and sources reconcile at $471,599.42 each. Not a Closing Disclosure.