Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$203,426Cash toward the purchase price.
Closing costs + prepaids$11,944Not just lender fees.
Before credits & paid funds$215,369The complete starting cash picture.
Estimated remaining funds due at closing
$215,369No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,425.93
Your down payment$203,425.93
Closing costs + prepaids$11,943.56
Total buyer cash needed$215,369.48
Remaining funds due$215,369.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,800.00
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)$648.25
Prepaid interest, first (1 days)$20.31
Fees + prepaids$11,943.56
Your down payment is the seller’s equity. You take over the $276,574 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $215,369.48 is due at closing. Uses and sources reconcile at $491,943.56 each. Not a Closing Disclosure.