Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$234,360Cash toward the purchase price.
Closing costs + prepaids$12,536Not just lender fees.
Before credits & paid funds$246,896The complete starting cash picture.
Estimated remaining funds due at closing
$246,896No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,359.64
Your down payment$234,359.64
Closing costs + prepaids$12,536.35
Total buyer cash needed$246,895.99
Remaining funds due$246,895.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,970.00
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)$418.75
Initial HOA (3 months)$24.99
Prepaid interest, first (25 days)$647.61
Fees + prepaids$12,536.35
Your down payment is the seller’s equity. You take over the $262,640 balance, so the rest of the $497,000 price is paid at closing. A second mortgage can cover part of it. $246,895.99 is due at closing. Uses and sources reconcile at $509,536.35 each. Not a Closing Disclosure.