Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$249,724Cash toward the purchase price.
Closing costs + prepaids$13,506Not just lender fees.
Before credits & paid funds$263,231The complete starting cash picture.
Estimated remaining funds due at closing
$263,231No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,724.31
Your down payment$249,724.31
Closing costs + prepaids$13,506.21
Total buyer cash needed$263,230.52
Remaining funds due$263,230.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$524.00
Initial HOA (3 months)$411.00
Prepaid interest, first (24 days)$1,097.21
Fees + prepaids$13,506.21
Your down payment is the seller’s equity. You take over the $250,176 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $263,230.52 is due at closing. Uses and sources reconcile at $513,406.21 each. Not a Closing Disclosure.