Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$280,301Cash toward the purchase price.
Closing costs + prepaids$11,798Not just lender fees.
Before credits & paid funds$292,098The complete starting cash picture.
Estimated remaining funds due at closing
$292,098No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$280,300.56
Your down payment$280,300.56
Closing costs + prepaids$11,797.64
Total buyer cash needed$292,098.21
Remaining funds due$292,098.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,580.00
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)$275.75
Initial HOA (3 months)$450.00
Prepaid interest, first (1 days)$16.89
Fees + prepaids$11,797.64
Your down payment is the seller’s equity. You take over the $177,699 balance, so the rest of the $458,000 price is paid at closing. A second mortgage can cover part of it. $292,098.21 is due at closing. Uses and sources reconcile at $469,797.64 each. Not a Closing Disclosure.