Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$243,339Cash toward the purchase price.
Closing costs + prepaids$13,636Not just lender fees.
Before credits & paid funds$256,974The complete starting cash picture.
Estimated remaining funds due at closing
$256,974No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,338.65
Your down payment$243,338.65
Closing costs + prepaids$13,635.62
Total buyer cash needed$256,974.27
Remaining funds due$256,974.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$1,039.75
Initial HOA (3 months)$285.99
Prepaid interest, first (31 days)$884.88
Fees + prepaids$13,635.62
Your down payment is the seller’s equity. You take over the $251,661 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $256,974.27 is due at closing. Uses and sources reconcile at $508,635.62 each. Not a Closing Disclosure.