Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$246,797Cash toward the purchase price.
Closing costs + prepaids$12,195Not just lender fees.
Before credits & paid funds$258,992The complete starting cash picture.
Estimated remaining funds due at closing
$258,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,797.25
Your down payment$246,797.25
Closing costs + prepaids$12,194.78
Total buyer cash needed$258,992.03
Remaining funds due$258,992.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,690.00
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)$586.25
Initial HOA (3 months)$60.00
Prepaid interest, first (18 days)$383.53
Fees + prepaids$12,194.78
Your down payment is the seller’s equity. You take over the $222,203 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $258,992.03 is due at closing. Uses and sources reconcile at $481,194.78 each. Not a Closing Disclosure.