Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$246,436Cash toward the purchase price.
Closing costs + prepaids$12,778Not just lender fees.
Before credits & paid funds$259,214The complete starting cash picture.
Estimated remaining funds due at closing
$259,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,436.45
Your down payment$246,436.45
Closing costs + prepaids$12,777.99
Total buyer cash needed$259,214.44
Remaining funds due$259,214.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$706.50
Initial HOA (3 months)$87.51
Prepaid interest, first (24 days)$509.98
Fees + prepaids$12,777.99
Your down payment is the seller’s equity. You take over the $253,464 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $259,214.44 is due at closing. Uses and sources reconcile at $512,677.99 each. Not a Closing Disclosure.