Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$226,379Cash toward the purchase price.
Closing costs + prepaids$12,061Not just lender fees.
Before credits & paid funds$238,440The complete starting cash picture.
Estimated remaining funds due at closing
$238,440No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,378.97
Your down payment$226,378.97
Closing costs + prepaids$12,060.85
Total buyer cash needed$238,439.81
Remaining funds due$238,439.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$643.75
Initial HOA (3 months)$150.00
Prepaid interest, first (2 days)$42.10
Fees + prepaids$12,060.85
Your down payment is the seller’s equity. You take over the $248,621 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $238,439.81 is due at closing. Uses and sources reconcile at $487,060.85 each. Not a Closing Disclosure.