Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$264,461Cash toward the purchase price.
Closing costs + prepaids$13,393Not just lender fees.
Before credits & paid funds$277,854The complete starting cash picture.
Estimated remaining funds due at closing
$277,854No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,461.18
Your down payment$264,461.18
Closing costs + prepaids$13,393.26
Total buyer cash needed$277,854.44
Remaining funds due$277,854.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$1,328.75
Prepaid interest, first (27 days)$639.51
Fees + prepaids$13,393.26
Your down payment is the seller’s equity. You take over the $230,539 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $277,854.44 is due at closing. Uses and sources reconcile at $508,393.26 each. Not a Closing Disclosure.