Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$243,943Cash toward the purchase price.
Closing costs + prepaids$13,680Not just lender fees.
Before credits & paid funds$257,623The complete starting cash picture.
Estimated remaining funds due at closing
$257,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,943.18
Your down payment$243,943.18
Closing costs + prepaids$13,679.73
Total buyer cash needed$257,622.91
Remaining funds due$257,622.91
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)$1,641.50
Prepaid interest, first (27 days)$564.23
Fees + prepaids$13,679.73
Your down payment is the seller’s equity. You take over the $255,957 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $257,622.91 is due at closing. Uses and sources reconcile at $513,579.73 each. Not a Closing Disclosure.