Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$252,034Cash toward the purchase price.
Closing costs + prepaids$12,632Not just lender fees.
Before credits & paid funds$264,666The complete starting cash picture.
Estimated remaining funds due at closing
$264,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,034.01
Your down payment$252,034.01
Closing costs + prepaids$12,632.07
Total buyer cash needed$264,666.08
Remaining funds due$264,666.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
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)$409.50
Prepaid interest, first (25 days)$548.57
Fees + prepaids$12,632.07
Your down payment is the seller’s equity. You take over the $267,866 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $264,666.08 is due at closing. Uses and sources reconcile at $532,532.07 each. Not a Closing Disclosure.