Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$265,228Cash toward the purchase price.
Closing costs + prepaids$12,391Not just lender fees.
Before credits & paid funds$277,619The complete starting cash picture.
Estimated remaining funds due at closing
$277,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$265,228.38
Your down payment$265,228.38
Closing costs + prepaids$12,390.93
Total buyer cash needed$277,619.30
Remaining funds due$277,619.30
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)$375.00
Prepaid interest, first (29 days)$540.94
Fees + prepaids$12,390.93
Your down payment is the seller’s equity. You take over the $234,771 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $277,619.30 is due at closing. Uses and sources reconcile at $512,389.93 each. Not a Closing Disclosure.