Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$260,315Cash toward the purchase price.
Closing costs + prepaids$13,652Not just lender fees.
Before credits & paid funds$273,967The complete starting cash picture.
Estimated remaining funds due at closing
$273,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,314.64
Your down payment$260,314.64
Closing costs + prepaids$13,651.97
Total buyer cash needed$273,966.60
Remaining funds due$273,966.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,900.00
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)$1,665.00
Initial HOA (3 months)$140.01
Prepaid interest, first (25 days)$471.96
Fees + prepaids$13,651.97
Your down payment is the seller’s equity. You take over the $229,685 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $273,966.60 is due at closing. Uses and sources reconcile at $503,651.97 each. Not a Closing Disclosure.