Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$253,757Cash toward the purchase price.
Closing costs + prepaids$13,654Not just lender fees.
Before credits & paid funds$267,411The complete starting cash picture.
Estimated remaining funds due at closing
$267,411No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,757.20
Your down payment$253,757.20
Closing costs + prepaids$13,653.50
Total buyer cash needed$267,410.70
Remaining funds due$267,410.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,820.00
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)$625.75
Initial HOA (3 months)$1,245.00
Prepaid interest, first (20 days)$487.75
Fees + prepaids$13,653.50
Your down payment is the seller’s equity. You take over the $228,243 balance, so the rest of the $482,000 price is paid at closing. A second mortgage can cover part of it. $267,410.70 is due at closing. Uses and sources reconcile at $495,653.50 each. Not a Closing Disclosure.