Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$227,361Cash toward the purchase price.
Closing costs + prepaids$13,043Not just lender fees.
Before credits & paid funds$240,405The complete starting cash picture.
Estimated remaining funds due at closing
$240,405No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,361.46
Your down payment$227,361.46
Closing costs + prepaids$13,043.27
Total buyer cash needed$240,404.72
Remaining funds due$240,404.72
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)$836.25
Prepaid interest, first (27 days)$782.02
Fees + prepaids$13,043.27
Your down payment is the seller’s equity. You take over the $267,639 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $240,404.72 is due at closing. Uses and sources reconcile at $508,043.27 each. Not a Closing Disclosure.