Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$251,064Cash toward the purchase price.
Closing costs + prepaids$14,305Not just lender fees.
Before credits & paid funds$265,369The complete starting cash picture.
Estimated remaining funds due at closing
$265,369No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,064.43
Your down payment$251,064.43
Closing costs + prepaids$14,305.06
Total buyer cash needed$265,369.49
Remaining funds due$265,369.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$1,172.25
Initial HOA (3 months)$888.00
Prepaid interest, first (28 days)$779.81
Fees + prepaids$14,305.06
Your down payment is the seller’s equity. You take over the $247,936 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $265,369.49 is due at closing. Uses and sources reconcile at $513,305.06 each. Not a Closing Disclosure.