Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$249,453Cash toward the purchase price.
Closing costs + prepaids$13,694Not just lender fees.
Before credits & paid funds$263,147The complete starting cash picture.
Estimated remaining funds due at closing
$263,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,453.24
Your down payment$249,453.24
Closing costs + prepaids$13,693.71
Total buyer cash needed$263,146.95
Remaining funds due$263,146.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.90
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)$1,300.00
Prepaid interest, first (26 days)$718.81
Fees + prepaids$13,693.71
Your down payment is the seller’s equity. You take over the $270,537 balance, so the rest of the $519,990 price is paid at closing. A second mortgage can cover part of it. $263,146.95 is due at closing. Uses and sources reconcile at $533,683.71 each. Not a Closing Disclosure.