Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$251,393Cash toward the purchase price.
Closing costs + prepaids$12,927Not just lender fees.
Before credits & paid funds$264,320The complete starting cash picture.
Estimated remaining funds due at closing
$264,320No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,392.71
Your down payment$251,392.71
Closing costs + prepaids$12,926.95
Total buyer cash needed$264,319.66
Remaining funds due$264,319.66
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)$879.00
Prepaid interest, first (30 days)$573.95
Fees + prepaids$12,926.95
Your down payment is the seller’s equity. You take over the $248,507 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $264,319.66 is due at closing. Uses and sources reconcile at $512,826.95 each. Not a Closing Disclosure.