Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$249,266Cash toward the purchase price.
Closing costs + prepaids$12,478Not just lender fees.
Before credits & paid funds$261,744The complete starting cash picture.
Estimated remaining funds due at closing
$261,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,265.72
Your down payment$249,265.72
Closing costs + prepaids$12,478.43
Total buyer cash needed$261,744.15
Remaining funds due$261,744.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$625.00
Initial HOA (3 months)$90.00
Prepaid interest, first (15 days)$289.43
Fees + prepaids$12,478.43
Your down payment is the seller’s equity. You take over the $250,634 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $261,744.15 is due at closing. Uses and sources reconcile at $512,378.43 each. Not a Closing Disclosure.