Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$230,855Cash toward the purchase price.
Closing costs + prepaids$13,135Not just lender fees.
Before credits & paid funds$243,991The complete starting cash picture.
Estimated remaining funds due at closing
$243,991No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,855.20
Your down payment$230,855.20
Closing costs + prepaids$13,135.41
Total buyer cash needed$243,990.60
Remaining funds due$243,990.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,900.00
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)$1,196.00
Initial HOA (3 months)$158.01
Prepaid interest, first (18 days)$406.40
Fees + prepaids$13,135.41
Your down payment is the seller’s equity. You take over the $259,145 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $243,990.60 is due at closing. Uses and sources reconcile at $503,135.41 each. Not a Closing Disclosure.