Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$228,075Cash toward the purchase price.
Closing costs + prepaids$12,342Not just lender fees.
Before credits & paid funds$240,417The complete starting cash picture.
Estimated remaining funds due at closing
$240,417No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,075.23
Your down payment$228,075.23
Closing costs + prepaids$12,342.20
Total buyer cash needed$240,417.43
Remaining funds due$240,417.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
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)$465.00
Initial HOA (3 months)$318.00
Prepaid interest, first (18 days)$385.20
Fees + prepaids$12,342.20
Your down payment is the seller’s equity. You take over the $241,825 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $240,417.43 is due at closing. Uses and sources reconcile at $482,242.20 each. Not a Closing Disclosure.