Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$245,581Cash toward the purchase price.
Closing costs + prepaids$13,617Not just lender fees.
Before credits & paid funds$259,198The complete starting cash picture.
Estimated remaining funds due at closing
$259,198No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,581.02
Your down payment$245,581.02
Closing costs + prepaids$13,616.92
Total buyer cash needed$259,197.93
Remaining funds due$259,197.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.99
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)$1,250.00
Prepaid interest, first (28 days)$891.93
Fees + prepaids$13,616.92
Your down payment is the seller’s equity. You take over the $254,418 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $259,197.93 is due at closing. Uses and sources reconcile at $513,615.92 each. Not a Closing Disclosure.