Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$250,383Cash toward the purchase price.
Closing costs + prepaids$13,522Not just lender fees.
Before credits & paid funds$263,905The complete starting cash picture.
Estimated remaining funds due at closing
$263,905No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,382.91
Your down payment$250,382.91
Closing costs + prepaids$13,521.83
Total buyer cash needed$263,904.74
Remaining funds due$263,904.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$1,247.50
Prepaid interest, first (26 days)$809.33
Fees + prepaids$13,521.83
Your down payment is the seller’s equity. You take over the $248,617 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $263,904.74 is due at closing. Uses and sources reconcile at $512,521.83 each. Not a Closing Disclosure.