Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$274,743Cash toward the purchase price.
Closing costs + prepaids$12,311Not just lender fees.
Before credits & paid funds$287,053The complete starting cash picture.
Estimated remaining funds due at closing
$287,053No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,742.73
Your down payment$274,742.73
Closing costs + prepaids$12,310.71
Total buyer cash needed$287,053.44
Remaining funds due$287,053.44
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
Prepaid interest, first (16 days)$559.46
Fees + prepaids$12,310.71
Your down payment is the seller’s equity. You take over the $194,257 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $287,053.44 is due at closing. Uses and sources reconcile at $481,310.71 each. Not a Closing Disclosure.