Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$222,237Cash toward the purchase price.
Closing costs + prepaids$13,708Not just lender fees.
Before credits & paid funds$235,945The complete starting cash picture.
Estimated remaining funds due at closing
$235,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,237.47
Your down payment$222,237.47
Closing costs + prepaids$13,707.91
Total buyer cash needed$235,945.37
Remaining funds due$235,945.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.00
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)$1,930.25
Initial HOA (3 months)$33.51
Prepaid interest, first (18 days)$470.15
Fees + prepaids$13,707.91
Your down payment is the seller’s equity. You take over the $257,663 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $235,945.37 is due at closing. Uses and sources reconcile at $493,607.91 each. Not a Closing Disclosure.