Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$223,580Cash toward the purchase price.
Closing costs + prepaids$12,295Not just lender fees.
Before credits & paid funds$235,875The complete starting cash picture.
Estimated remaining funds due at closing
$235,875No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,580.19
Your down payment$223,580.19
Closing costs + prepaids$12,294.93
Total buyer cash needed$235,875.12
Remaining funds due$235,875.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.99
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)$576.00
Initial HOA (3 months)$210.00
Prepaid interest, first (10 days)$233.94
Fees + prepaids$12,294.93
Your down payment is the seller’s equity. You take over the $256,419 balance, so the rest of the $479,999 price is paid at closing. A second mortgage can cover part of it. $235,875.12 is due at closing. Uses and sources reconcile at $492,293.93 each. Not a Closing Disclosure.