Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$233,351Cash toward the purchase price.
Closing costs + prepaids$13,255Not just lender fees.
Before credits & paid funds$246,606The complete starting cash picture.
Estimated remaining funds due at closing
$246,606No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,350.99
Your down payment$233,350.99
Closing costs + prepaids$13,255.45
Total buyer cash needed$246,606.44
Remaining funds due$246,606.44
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)$767.50
Initial HOA (3 months)$222.00
Prepaid interest, first (31 days)$800.95
Fees + prepaids$13,255.45
Your down payment is the seller’s equity. You take over the $265,649 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $246,606.44 is due at closing. Uses and sources reconcile at $512,255.45 each. Not a Closing Disclosure.