Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$267,430Cash toward the purchase price.
Closing costs + prepaids$14,058Not just lender fees.
Before credits & paid funds$281,488The complete starting cash picture.
Estimated remaining funds due at closing
$281,488No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,430.01
Your down payment$267,430.01
Closing costs + prepaids$14,057.56
Total buyer cash needed$281,487.57
Remaining funds due$281,487.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,980.00
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)$1,245.00
Initial HOA (3 months)$963.00
Prepaid interest, first (18 days)$394.56
Fees + prepaids$14,057.56
Your down payment is the seller’s equity. You take over the $230,570 balance, so the rest of the $498,000 price is paid at closing. A second mortgage can cover part of it. $281,487.57 is due at closing. Uses and sources reconcile at $512,057.56 each. Not a Closing Disclosure.