Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$253,162Cash toward the purchase price.
Closing costs + prepaids$13,190Not just lender fees.
Before credits & paid funds$266,353The complete starting cash picture.
Estimated remaining funds due at closing
$266,353No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,162.49
Your down payment$253,162.49
Closing costs + prepaids$13,190.20
Total buyer cash needed$266,352.69
Remaining funds due$266,352.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,820.00
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)$625.75
Initial HOA (3 months)$1,245.00
Prepaid interest, first (1 days)$24.45
Fees + prepaids$13,190.20
Your down payment is the seller’s equity. You take over the $228,838 balance, so the rest of the $482,000 price is paid at closing. A second mortgage can cover part of it. $266,352.69 is due at closing. Uses and sources reconcile at $495,190.20 each. Not a Closing Disclosure.