Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$235,046Cash toward the purchase price.
Closing costs + prepaids$12,859Not just lender fees.
Before credits & paid funds$247,905The complete starting cash picture.
Estimated remaining funds due at closing
$247,905No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,046.06
Your down payment$235,046.06
Closing costs + prepaids$12,858.71
Total buyer cash needed$247,904.77
Remaining funds due$247,904.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$620.50
Initial HOA (3 months)$62.49
Prepaid interest, first (27 days)$710.72
Fees + prepaids$12,858.71
Your down payment is the seller’s equity. You take over the $263,954 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $247,904.77 is due at closing. Uses and sources reconcile at $511,858.71 each. Not a Closing Disclosure.