Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$223,027Cash toward the purchase price.
Closing costs + prepaids$13,027Not just lender fees.
Before credits & paid funds$236,054The complete starting cash picture.
Estimated remaining funds due at closing
$236,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,027.14
Your down payment$223,027.14
Closing costs + prepaids$13,026.59
Total buyer cash needed$236,053.73
Remaining funds due$236,053.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,870.00
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)$1,217.50
Prepaid interest, first (23 days)$464.09
Fees + prepaids$13,026.59
Your down payment is the seller’s equity. You take over the $263,973 balance, so the rest of the $487,000 price is paid at closing. A second mortgage can cover part of it. $236,053.73 is due at closing. Uses and sources reconcile at $500,026.59 each. Not a Closing Disclosure.