Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$204,519Cash toward the purchase price.
Closing costs + prepaids$12,670Not just lender fees.
Before credits & paid funds$217,190The complete starting cash picture.
Estimated remaining funds due at closing
$217,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,519.32
Your down payment$204,519.32
Closing costs + prepaids$12,670.39
Total buyer cash needed$217,189.71
Remaining funds due$217,189.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$512.75
Initial HOA (3 months)$309.99
Prepaid interest, first (26 days)$582.65
Fees + prepaids$12,670.39
Your down payment is the seller’s equity. You take over the $274,481 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $217,189.71 is due at closing. Uses and sources reconcile at $491,670.39 each. Not a Closing Disclosure.