Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$234,415Cash toward the purchase price.
Closing costs + prepaids$13,850Not just lender fees.
Before credits & paid funds$248,265The complete starting cash picture.
Estimated remaining funds due at closing
$248,265No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,415.41
Your down payment$234,415.41
Closing costs + prepaids$13,849.60
Total buyer cash needed$248,265.01
Remaining funds due$248,265.01
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)$1,340.75
Initial HOA (3 months)$459.00
Prepaid interest, first (29 days)$575.85
Fees + prepaids$13,849.60
Your down payment is the seller’s equity. You take over the $265,485 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $248,265.01 is due at closing. Uses and sources reconcile at $513,749.60 each. Not a Closing Disclosure.