Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$270,930Cash toward the purchase price.
Closing costs + prepaids$12,344Not just lender fees.
Before credits & paid funds$283,274The complete starting cash picture.
Estimated remaining funds due at closing
$283,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,930.03
Your down payment$270,930.03
Closing costs + prepaids$12,343.88
Total buyer cash needed$283,273.91
Remaining funds due$283,273.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$401.25
Initial HOA (3 months)$345.00
Prepaid interest, first (27 days)$422.63
Fees + prepaids$12,343.88
Your down payment is the seller’s equity. You take over the $199,070 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $283,273.91 is due at closing. Uses and sources reconcile at $482,343.88 each. Not a Closing Disclosure.