Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$256,141Cash toward the purchase price.
Closing costs + prepaids$13,030Not just lender fees.
Before credits & paid funds$269,171The complete starting cash picture.
Estimated remaining funds due at closing
$269,171No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,140.78
Your down payment$256,140.78
Closing costs + prepaids$13,030.07
Total buyer cash needed$269,170.86
Remaining funds due$269,170.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$833.50
Prepaid interest, first (27 days)$621.57
Fees + prepaids$13,030.07
Your down payment is the seller’s equity. You take over the $253,859 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $269,170.86 is due at closing. Uses and sources reconcile at $523,030.07 each. Not a Closing Disclosure.