Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$280,301Cash toward the purchase price.
Closing costs + prepaids$11,815Not just lender fees.
Before credits & paid funds$292,115The complete starting cash picture.
Estimated remaining funds due at closing
$292,115No 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$11,814.54
Total buyer cash needed$292,115.10
Remaining funds due$292,115.10
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 (2 days)$33.79
Fees + prepaids$11,814.54
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. $292,115.10 is due at closing. Uses and sources reconcile at $469,814.54 each. Not a Closing Disclosure.