Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$235,206Cash toward the purchase price.
Closing costs + prepaids$12,329Not just lender fees.
Before credits & paid funds$247,535The complete starting cash picture.
Estimated remaining funds due at closing
$247,535No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,206.42
Your down payment$235,206.42
Closing costs + prepaids$12,328.81
Total buyer cash needed$247,535.23
Remaining funds due$247,535.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.00
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)$360.50
Initial HOA (3 months)$180.00
Prepaid interest, first (25 days)$414.31
Fees + prepaids$12,328.81
Your down payment is the seller’s equity. You take over the $254,694 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $247,535.23 is due at closing. Uses and sources reconcile at $502,228.81 each. Not a Closing Disclosure.